BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES CERTIFIED CREDIT REPOR XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXXXXXX {$3000.00} XXXX XXXXXXXX XXXX {$320.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00}

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 2022-02-19
Company: EQUIFAX, INC.
State: MS
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a transaction on XX/XX/2019 through PayPal for tickets to a XXXX   game and we believe it is a scam. The transaction was for XXXX and we were in contact with the merchant until she told us we paid her in the wrong form the first time so we used another account. And after that we lost all contact with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I received a notice on XXXX/XXXX/2019 that my 13 month CD account auto renewed for 13 months. 

I was never notified that the account was going to roll over, and it was never made apparent to me at account opening that the account was on an auto renewal. 

I spoke w Synchrony on XX/XX/2019 as soon as I received this notice that the account auto renewed. Synchrony is insisting I must pay a {$500.00} penalty to close the account. 

Synchrony claims they sent a notice of auto renewal on XXXX/XXXX/0219. This notice was never received. This money is badly needed for some immediate expenses that were planned with the expectation of this money for many months in advance. There is no scenario in which I wouldve wanted these funds to rollover, I fully expected the funds to be returned at maturity of the 13 month CD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX 15 USC 1666b Timing of payments. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER I : CONSUMER CREDIT COST DISCLOSURE 15 USC 1681a Definitions ; rules of construction. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1681b Permissible purposes of consumer reports. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1692c Communication in connection with debt collection. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692j Furnishing certain deceptive forms. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692g Validation of debts. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 18 USC 1028A Aggravated identity theft. TITLE 18 : CRIMES AND CRIMINAL PROCEDURE / PART I : CRIMES/ CHAPTER 47 : FRAUD AND FALSE STATEMENTS 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : Consumer Reporting Agency can not furnish a a

ccount without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was a loyal customer of American Express. I use the card for business, and I have an employee who is an " additional card member '' on my account. American Express offered me an " upgrade '' for {$450.00}. Foolishly I accepted. The new card was on the same account with the same account number as before. As far as I could tell, the only difference was the logo on my card. XXXX had already changed logos this year due to their merger with another hotel chain. That logo change did not affect my account, and I could still use my old cards. However, this time, for the sole reason that I paid {$450.00} for this " Brilliant '' program, American Expressed deactivated my otherwise valid cards. There was little warning other than a vague, confusing email giving me very little time to respond. I did respond. I explained my employee was travelling and was dependent on the card. Rather than leave my cards in service - even for the grace period mentioned in the email -- American Express immediately invalidated my additional card member card. I was not even informed, much less warned. The only reason I knew the card was iinvalidated is because I called in later to has how many days were left in the grace period. I was astonished to learn the card had been administratively invalidated. Of course I was outraged. American Express representatives acknowledged it was a mistake but would do nothing to correct it. Finally, I talked to " XXXX '' in XXXX XXXX ( employee ID XXXX ) who confirmed American Express would not correct this error. The result is that my employee has been left in an untenable situation, and my business reputation has been damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I sent several letters to Transunion beginning in the month of XX/XX/2022 and my last attempt to make contact in the Month of XXXXXXXX XXXXregarding the false information on my credit report. It has been way past 45 days on both occasions and i have not heard from or received any response from the company in regards to my situation and credit file

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 2023-04-10
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XX/XX/XXXX I bought a XXXX XXXX XXXX at XXXX Car Sales XXXX XXXX, they gave me a bill of sale and a license plate and temporary registration with an expiration date of XX/XX/XXXX. The financial company was originally XXXX XXXX XXXX and then it became Westlake Financial company, when the registration expired I called the Dealer to get my final registration and the Dealer had closed, I called Westlake Financial to send me the documents to register the car and the Financial does not have the documents either. On XX/XX/XXXX the police arrested me and took my car away, the Westlake Financial can not claim the car because it does not have the documents and the lien in the title. I don't have the car, I don't have the documents and I have a debt with the financial company. 
Westlake Financial should not have approved the loan of a car that did not have the title and now want to collect the monthly loan from a vehicle that we do not have

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 2022-03-04
Company: BARCLAYS BANK DELAWARE
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: Their investigation did not fix an error on your report

Complaint:
I have asked XXXX ( report # XXXX ) and XXXX ( file # XXXX ) to verify an account reporting on my consumer report for errors by BARCLAYS BANK DELAWARE. After multiple disputes, I am reaching out to the Bureau to help delete this unauthorized, inaccurate account that has financially hurt me and hindered my ability to extend credit. This account is said to be closed in XXXX different times and written off amount are completely different. 

XXXX claims this BARCLAY has a past due amount of {$1900.00} however the account was said to be written off for the amount of {$1400.00}. How can this account be written off on the corporation and then still accumulate additional money after the account is charged off? This is a clear error that has been reported for years. XXXX continues to update this account without correcting the error. 

For this BARCLAY account to be valid and continue to report, It needs to be the same across the board. Because XXXX and XXXX have validated the same account reporting inaccurately with errors. 

I am asking for the immediate deletion of this 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 2023-10-02
Company: Experian Information Solutions Inc.
State: NY
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 DO NOT AUTHORIZE THESE INQUIRIES, PLEASE REMOVE. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-05
Company: Continental Finance Company, LLC
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Company repeatedly called or texted me prior to payments being due to tell me there was an upcoming payment due. I asked them not to contact me when their call was relating to an upcoming payment, and to only call if my payment was past due or if there was a problem with the account. The last time they called was on XX/XX/2022 at XXXXXXXX XXXX and became really rude when I spoke with them. The gentleman would not give me his name and when I told him not to call me with regards to payments upcoming, he cursed at me. I cursed back at him and he hung up. They had also called earlier that same day at XXXX, both times from the same number XXXX. I also believe they called at XXXX am on XX/XX/2022 from another number XXXX. They also called on XX/XX/2022 about my upcoming payment. The due date on the account is the XXXX of the month. 

Since that time I have not received a billing statement from them. I went online to ask to have the billing statements emailed to me, and received a confirmation email saying I made that change to my account, but still no emails or billing statements have been received. I have never been late on any payment on this account and until the rude behavior and cursing incident, have always paid more than the amount showing due. Since that time, I have only paid the minimum amount due.

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 2022-06-05
Company: Experian Information Solutions Inc.
State: IL
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:
This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items

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 2023-03-18
Company: EQUIFAX, INC.
State: IL
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Windham Professionals, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had learned in XXXX that a debt to XXXX  XXXX University, which I currently owe was being sent to collections, I called Windham Professionals the collections agency contracted by XXXX to attempt to negotiate the debt down to a level that I could afford, this was denied, the agent at the time told me that I had until XX/XX/2019 to pay before the debt was sent to the credit reporting bureaus. I informed the agent that I would pay the debt on their website before it was sent to collections, I also told him that XXXX could never call me again. 

On XX/XX/2019 at approximately XXXX XXXX PST I received a call from XXXX XXXX at XXXX, Mr. XXXX initially did not give me his full name or company name when asked. I informed Mr. XXXX that I was on the do not call list, to which he said 'it wasn't in the notes. ' I informed Mr. XXXX that I should be placed on the do not call list, that I didn't appreciate the way he was speaking to me, and that I wanted to talk to his supervisor, to which he refused, claiming supervisors were too busy, but that I could hold. Before I was placed on hold I asked for Mr. XXXX to spell his name and give me his license number, he would only give me his name, telling me that I didn't want to " go there. '' I called back to speak to the supervisor, the phone was answered and left off the hook.

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 2023-10-03
Company: Kriya Capital, LLC
State: TX
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:
Today, I am writing this complaint to CREDENCE RESOURCE MAN regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-05
Company: CITIBANK, N.A.
State: CO
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:
A credit card at Citi Bank CNBA was requested using my information as well as a credit report pulled without my authorization. I received a text message stating that my credit was approved.

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 2023-07-25
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/XXXX I legal changed my name in Superior Court of XXXX County, Arizona. 

I sent in a copy of the legal name change document to the three credit reporting agencies. 
Equifax- continues to this day, refuses to acknowledge, update and claims to never receive my documents. I have called them consistently all throughout the month of XX/XX/XXXX when I applied to get a mortgage and was denied due to improper information in my credit file. ( I am attempting to use my VA home loan ). After battling it out I sent in a fax to XXXX their reported fax number on XX/XX/XXXX @ XXXX Fax serial number XXXX transmission result OK. I have called every single business day since initially I was told 3-5 business days " XXXX XXXX ( XX/XX/XXXX, XXXX XXXX  ) : The process takes from 3 to 5 days. '' Then I was told on Day 5 by a supervisor, it takes 5-7 Business days. Now, XXXX XXXX @ XXXX I am being told it takes 7-10 business days. Yet they lack any system in place to track fax machine receivables. All I want is my Legal name corrected on my account!

Company response to consumer: Closed with explanation