BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
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:
Miss you wrong information method of verification Miss use of my information I written in a certified letter to the company, requesting method of verification within 15 days. I have not received anything, and no update on how they verified this account with the miss information on there. 

In accordance with the fair credit reporting act. The lost of account has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1581. 


Account name XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C 1691 section 602 A. states I have the right to privacy.

15 U.S.C is 1681 section 602 A section 2 it also states a consumer reporting agency can I furnish account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states No consumer report agency may make any consumer report containing any other following items of information. Any other adverse items of information other than records convictions of crime which antedates the report more then 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable to believe that information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX  and Account # XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account or transaction information without my written instructions 15 U.S.C. 1681a Section 2 ) Exclusions from a credit report - the consumer report does not include - ( A ) ( i ) reporting of information solely as to transactions ( payments ) or experiences between the consumer ( me ) and the person making the report.

15 U.S.C 1681a ( d ) 1 - It also states that a consumer reporting agency can not communicate any information that determines a consumer 's credit worthiness or credit standing when it comes to be used in determining a consumer 's eligibility when applying for credit for personal purposes

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 2023-06-23
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to delete this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: Westlake Services, LLC
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:
Someone ran my credit for a auto loan with all of these companies and messed up my credit with hard inquiries This was not consented by me and i have no open accounts with none of these financial companies 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 NOWCOM/WESTLAKE FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: TN
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:
Account for auto loan was dissolved during 2016 bankruptcy and is being reported as open and delinquent by Experian after being corrected by both XXXX  and XXXX. Loan was at first reaffirmed then withdrawn during filing. Originally reported as still open by other bureaus yet Experian has refused to correct record after 2 disputes and contacting XXXX XXXX, the loan originator who was reporting incorrect information until I was able to contact them about falsely reporting account still open. Bank was reporting late payments in the month of XXXX and XXXX for an account that was closed in XXXX. Bank acknowledged they had reported false information due to originally reaffirming the loan then withdrawing. After disputes and phone calls Experian still lists the loan as open and delinquent. During most recent phone call Experian representative acknowledged seeing corrected info from XXXX XXXX  but did not correct the information in credit report because the court documents I had sent were included in my previous dispute and therefore not " new '' 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 non-monetary relief
Consumer complaint received 2023-01-01
Company: SYNCHRONY FINANCIAL
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
i have tried XXXX to resolve this issue with synchrony bank, a credit card i have with t.j. maxx. in XXXX i alerted them with chat room email them and called them to try and stop a charge i saw pending! the amount {$95.00}. they would not fight on my behalf with the company. the company tried to fool them by saying they refunded my money! they lied! they charged twice for 2 separate charges and when i used the phone number that was on my payment list connected to this charge, they say " oh, that was for an online exercise program and now it has expired! i never ordered no such thing! i closed this account number and ordered another number that i put on hold. i want some recognition and compensation of {$95.00}.

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 2021-05-05
Company: EQUIFAX, 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:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Comerica
State: WI
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX  I was working with my social worker to set up the Direct Express Application on my phone because the only way I had to check my balances before was to call in and they told me my available balance. I was unaware I could install an app and see everything laid out. When I installed the app I saw a lot of transactions that had been made online that were definitely not me. I had never even heard of the things. My social worker helped me with calling Direct Express and filing the complaint. They told me to cancel my card and get a new one sent, so I did after I took my remaining cash out so that I had money to live on while I was waiting for the new card to be sent. My social worker and I sat on the phone with Direct Express and emailed them exactly as instructed by the person that we spoke to on the phone. The email was the list of unauthorized transactions that had started on XX/XX/XXXX  and continued until we noticed it in XXXX. The amounts ranged from {$1.00} to {$59.00}. There were 5 transactions in XX/XX/, 9 in XX/XX/, 4 in XX/XX/, and 5 in XX/XX/. Direct Express replied to my claim via mail about a week later and told me that they would not refund any of the transactions because it was past the 120 day cut off. My social worker assisted me with calling and talking with supervisors and managers on XX/XX/. One supervisor said it was passed the days allowed to file a claim and we informed them that it was not and asked for a manager. The manager said that because in those previous months I had accessed my balance from my phone that indicated to them that I authorized the transactions. I told him I did not authorize the transactions and he told me " that is just hear-say. '' I got so frustrated after being transferred multiple times and told a different version of the past two excuses as to why they were not going to refund me for the fraudulent transactions. I am a XXXX single woman that has a very limited income, I can not afford to just lose {$750.00} because this company is taking advantage of my XXXX. I told them that I was going to file a complaint and they told me " good luck. '' They were very rude and I felt very taken advantage of. I explained to them about not knowing how to use the app, and when I learned I reported the unauthorized charges immediately and followed their directions with the help of my social worker.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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:
USAA Credit card first told me I had a {$2500.00} cash advance and I told them I have NEVER done a cash advance on any of my credit cards. I was then told by them that I made a Balance Transfer for {$2500.00}. I asked them, who they payed {$2500.00} to as a balance transfer in my name. After 3 weeks of waiting for them to give me an answer they told me they only keep those records for 12 months and would not tell me who they sent the money to. They could tell me about credit card purchases I made before the so called transfer. 
I've put my payments on hold until this is resolved. I've also sent in a complaint to the 3 credit reporting agencies and am waiting to here back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On Saturday, XX/XX/2021, my XXXX account was overdrawn nearly {$5500.00} due to my mortgage company Mr. Cooper pulling multiple unauthorized payments from my accounts. I attempted to contact them all morning Saturday and then they closed their call center at noon which left me with no alternatives until Monday. I had no cash for food or gas and at least 1 credit card payment was returned by XXXX XXXX as a result of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Honda finance illegally repossessed my vehicle I had to pay XXXX to get it back and could not understand the bill but paid it anyway. The bill consist of multiple XXXX XXXX under my vin however the vehicles in the photo were not mine. This caused me a hardship on my bills and they refused to hear me or fix it. Two months after I got the car I ended up in repossession again with XXXX on bill. Again not understanding why the bill was so high. I decided to not get the car back and allow them sell it since they would not help me or fix these mistakes causing me billing issues. I allowed them to sell the car in XX/XX/XXXX. However today is XX/XX/XXXX and the company honda finance is still continuing to bill me. I am still receiving bills as if I have a contract with them and XXXX XXXX as though someone is riding around with the vehicle still and I can not understand why. When I call them they say I have an account with them but I do not. Honda wanted to buy my lease back and I refused to do they created a hardship on my account to the point I could not afford the bill. Even after I let the car go they are still billing me affecting my license now I would like to send my evidence and sue them in court. I have enough evidence now to say they purposely caused me financial hardship because they wanted their leased vehicles back one way or the other. I can prove this. the evidence is overwhelming there is no way I wont prevail. I begged them to stop and they didnt. Now I will defend my name because my license is all I have. They are wrong. I had a XXXX XXXX. Not any other car why are they billing me other peoples info under my vin. Why am I still receiving bills with honda finance?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite the previous written requests, the unverified account listed below still appear inaccurate on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Correct this account immediately : XXXX XXXX XXXX Balance Owed : {$33000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In early XXXX, my Comenity/BJs XXXX XXXX credit card was charged a {$50.00} fee for automatic membership renewal, which I did not want and had not agreed to. I visited BJs as soon as possible ( I was away XXXX XXXX until late XXXX ) and the customer service agent refunded the {$50.00} fee in cash. By then, Comenity/BJs had already added a late fee. I returned to BJs in early XXXX to have them correct this and was told that BJs would remove the renewal fee from the credit card and I was assured that Comenity would remove the late fee. Neither is the truth. I have contacted Comenity twice, to no avail, and now the balance is up to {$150.00}. The only progress I have made is to manage to close the credit card, but the late fees keep piling up. I recently regrettably on XX/XX/2022 sent Comenity a check for {$59.00} to cover the {$50.00} initial membership fee which BJs reimbursed, and {$9.00} for a late fee. I am concerned about the negative impact on my excellent credit record which would be a result of an action not initiated and not wanted ( automatic membership renewal ) by me. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the fraudulent items listed here in my complaint are still reporting on my credit report in violation of Federal Law. Credit bureuas failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Remove the following items right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regular credit union monitoring credit report shows on XX/XX/XXXX an account late on XXXX XX/XX/XXXX and charged off and delinquent on XX/XX/XXXX never had known of this card account and when contacted Comenity Bank I was informed they don't have the account because it was sold to a collection company I have never received a bill for tis account not known nor acknowledged it did existed and credit report didn't showed the last 5 digits of it which later on, Comenity has shown these on a letter received now i do know the full a/c number as # XXXX issued on XX/XX/XXXX Bank refuses to proof it is NOT has NEVER known of it. 
SEE FULL DETAILS OF ASLING THE BANK, by phone, email and XXXX regular mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying on this loan since XX/XX/2011 my loan went from XXXX to now XXXX they not applying any of my payments to the principal, I've had some late fee and deferments, but I have paid over XXXX on this loan and they find a way to add it to my principal, I talked to them about it and they told me something about capitalize interest, that I don't understand, I can pay XXXX a month for the next 10 yrs and still be @ the same balance I don't think it's right, my balance would be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm dealing with a debt issue related to a hospital, but it's not the original debt. I've been receiving letters from different companies regarding this debt for various financial services. I would like to be removed from their mailing lists. Additionally, there is no signature proving that I owe this debt of {$1100.00} to the financial company handling the original debt. 
It's really important to put an end to the debt harassment and make sure your personal information isn't sold without your consent. Let 's work on stopping the harassment and protecting your privacy!

Company response to consumer: Closed with non-monetary relief