BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I sought to purchase a vehicle due to my previous vehicle being wrecked. In doing so I opted to use the same dealer that I used prior. I searched XXXX inventory and found a car that I liked. At the time I was not prepared to purchase due to a lack of finance.During this time I was enlightened as to the laws of Truth and Lending and began discussion with the agent of XXXX. I was under the impression that as the contact made reference to Truth and lending that I would be able to forego a down payment.XXXX made reference to account validation and I knew that I had no funds to give a down payment.I was overjoyed when I was approved even though I had no money in my account. We sealed the offer and I began to deal with financing. The vehicle was delivered to my home and days later I began to receive calls about a Down payment. I attempted to communicate with XXXX about this matter to no avail. I contacted Bridgecrest Credit because my first payment was almost due. Upon talking to Bridgecrest I was told that XXXX placed a repossession order in effect for a {$2400.00} down payment. This tactic forced me to borrow {$2400.00} to keep the vehicle due to necessity. Consequently I am behind due to my repayment of the money that I borrowed and now Bridgecrest is continually threatening me with repossession for my late payments. I should not have to quote law because I know that businessmen know these laws before they underhandedly sell their cars.I want the {$2400.00} repaid to me or placed in honor of my obligatory payments for this vehicle.Thanks in advance for your assistance. I have no problem paying my payments, yet this act placed me behind not only on car payments but my personal bills as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made several attempts to correct this issue over the past few years. I last spoke with Experian and XXXX on XX/XX/2023 regarding a charge off account with XXXX in the amount of {$0.00} I have been informed by this company to contact Experian and XXXX regarding this issue XXXX There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account. This account is also reporting as a collection on my Experian report, so the same account is reporting twice. The name of the collection company is XXXX XXXX XXXX and the collection amount is {$3200.00} I would have had to give consent to the company to sell this account to a collection agency. I have not given any consent to do so as this account does not belong to me. This is not factual information that is reporting.

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 2024-01-05
Company: WELLS FARGO & COMPANY
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:
I am filing this complaint against Wells Fargo for the unauthorized disclosure of my personal financial information from one account to XXXX XXXX XXXX XXXX XXXX. This disclosure included 14 specific transactions and the status of my account, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by Wells Fargo and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect Wells Fargo to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.

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 2023-03-24
Company: EQUIFAX, INC.
State: FL
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 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 instruction 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 any purpose 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 USC 1681section 602 A. States I have the right to privacy.

15 USC 1681s-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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 checked my credit report and noticed these issues

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 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 instruction 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 any purpose 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 USC 1681section 602 A. States I have the right to privacy.

15 USC 1681s-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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-03-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts on my credit report are causing me severe problems in trying to purchase a home. 

I already reached out to Experian, XXXX, and XXXX. I will attach the letter I wrote to them.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: MI
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 loan from XXXX XXXX  XXXX. It was sold to a third party a few months later. By them selling my account to a third party that means I do not have an active account with them. I have already paid what was owed to the third party XX/XX/XXXX. I have sent letters, emailed, and called but did not get a response.

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 2023-03-24
Company: EQUIFAX, INC.
State: MI
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 loan from XXXX XXXX  XXXX. It was sold to a third party a few months later. By them selling my account to a third party that means I do not have an active account with them. I have already paid what was owed to the third party XX/XX/XXXX. I have sent letters, emailed, and called but did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 made a final payment with credit acceptance XX/XX/2020. They are still reporting as a delinquent/derogatory.

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 2023-03-24
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: Public record information inaccurate

Complaint:
US BKPT CT UT XXXX XXXX  XXXX XXXX XXXX XXXXUS BKPT CT UT XXXX XXXX  XXXX XXXX XXXX XXXXUS BKPT CT UT XXXX XXXX XXXX XXXX XX/XX/XXXX US BKPT CT UT XXXX XXXX  XXXX XXXX XX/XX/XXXX US BKPT CT UT XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX The reporting of these accounts ( s ) is/are violations of 15 USC 1681a, the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of s specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ). credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license ID, and license plate credit cards the extension of 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 2023-05-08
Company: Experian Information Solutions Inc.
State: NC
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2023-03-25
Company: EQUIFAX, INC.
State: KY
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:
Credit reporting agency was informed of a charged off account being inaccurately reported ( XX/XX/2022 ) .Account was removed based upon the completion of their investigation. However, the error has recently been placed back within my credit file. Affecting my general mode of living and preventing me from financial gain. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: GOLDMAN SACHS BANK USA
State: KY
Product: Credit card or prepaid 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:
Chargeback with XXXX XXXX : Reference to Case Number : XXXX & Case Number : XXXX with Goldman Sachs Apple Card XX/XX/XXXX XXXX XXXX Eastern Time : Airline ticket purchased from XXXX XXXX. Listed as being able to be cancelled on their website. Purchase of {$250.00} On XX/XX/XXXX XXXX XXXX  Eastern Time ( via email ) : After refusing to cancel and refund the purchase the merchant offered me a credit for future use. They charged me {$45.00} to do so leaving {$210.00} as a credit with the merchant. I accepted and informed them I would reach out for help with Apple Card support as their website showed I would be eligible for a refund and they did not honor it. Dispute opened with credit card issuer. 

On XX/XX/XXXX at XXXX XXXX  Eastern Time : Never heard back from Goldman Sachs Apple Card on dispute so I attempted to use previously offered credit and could not do so as the website didnt acknowledge it on my account. I reached out to XXXX XXXX customer support via Text Message support and corresponded with a representative named XXXX. He informed me there was no credit and there was nothing further he could assist me with. I have now received NO refund and NO credit. 

XX/XX/XXXX XXXX XXXX  Eastern. Received email dispute had been denied. Called Goldman Sachs at XXXX and spoke with XXXX regarding my reversed chargeback. She found my email response from XX/XX/XXXX but did not see the attached PDF file. She reopened the dispute and informed me to reply back with images when requested again. Evidence submitted has been mishandled by credit card issuer and not attached. 

XX/XX/XXXX XXXX XXXX  Eastern : Received email dispute has been denied. Called Goldman Sachs at XXXX and spoke with an agent asking how to escalate this matter. She was able to put me on hold to escalate to a supervisor. XXXX, answered and verified my identity. I explained the issue and she offered to escalate it for review. She indicated there was no case or ticket number for this action as it is " internal ''. She also indicated there is no service level established for when I should hear back on this. I requested at this time a copy of the evidence used in determination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX CREDIT CARD FROM XXXX FOR XXXX. AFTER SEVERAL ATTEMPTS OF DISPUTING THESE CHARGES. I BELIEVE NO INVESTIGATION WAS COMPLETED. I REQUEST A COPY OF THE APPLICATION AND BECAUSE IT WAS COMPLETED BY SOMEONE ONELINE THEY WERE NOT ABLE TO FORWARD MY REQUEST.I HAVE EXPLAINED NUMEROUS TIMES THAT I AM A VICTIM OF IDENTY THIEF. I HAVE WRITTEN IN DISPUTES, I HAVE HIRE A XXXX XXXX AGENCY, I HAVE PLACE ALERTS AND LOCKS, I HAVE PRODUCED POLICE REPORTS AND AFTER ALL THESE YEARS IT IS STILL LISTED ON MY ALL 3 CREDIT BUREAUS XXXX XXXX AND TRANSUNION. I HAVE ALSO EXPERIENCED CREDIT BREACHES FROM XXXX AND TRANSUNION AND TO NO PREVAIL.

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 2023-03-25
Company: Experian Information Solutions 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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-03-25
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX of XXXX I noticed Comenity bank added two extra interest charges to my bill. No explanation. The interest charges just showed up as : XXXX  XXXX and XXXX  XXXX. I sent messages to XXXX but no one would clarify for me what these were. I called XXXX and spoke with XXXX on XX/XX/XXXX and she could not explain it either. 
Interest charge calculation Your Annual Percentage Rate ( APR ) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement. 
TYPE OF BALANCE APR BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE Purchases 24.24 % ( v ) XXXX ( DA ) XXXX Cash Advances 29.99 % ( v ) XXXX ( DA ) XXXX XXXX  XXXX 29.24 % ( v ) XXXX ( DA ) XXXX XXXX  XXXX 27.24 % ( v ) XXXX ( DA ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: VA
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 had a few accounts with XXXX that was paid off nice XXXX XXXX and Experian as well as XXXX mark the accounts as late as of XXXX and XXXX of XXXX Ive deputed the amount as we as the paid dates and they still come back saying it remains I sent certified letters with proof that the accounts was paid off before XXXX of XXXX and they still keep showing the accounts as passed due I told them about the fair credit reporting act and they still didnt resolve the issue with credit report I told them if an account is showing wrong information and its been paid and it keeps coming back as not and I sent paperwork showing I paid them off and it still shows a balance and still reporting me late every month then I want them deleted at once because its and accurate information on my credit report thats being reported too them I have paperwork from XXXX that I paid the accounts in full and XXXX and Experian is still showing wrong information my dispute only take Experian a day too investigate which dont seem like they did anything with the paperwork I sent certified mail as well as on the telephone

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