BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Westlake Services, LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Purchased car last XXXX from XXXX XXXX By XXXX the engine went out in car, I had to pay to be able to get around. Took XXXX weeks to get a rental car before they decided to give me a car. Not what I originally purchased. Since the new company has taken over I have had to to replace the whole back end of the car. Now they expect me to pay {$1500.00} I dont have because they gave me another car thats bad. Westlake management is no better than XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: DISCOVER BANK
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Student Discover card was on hold for 4 months. I told them I was a XXXX XXXX XXXX student and I work part time at my XXXX XXXX  and that my only option at the moment was to get an online signature for my enhanced notary form. They still decided to close my account without warning ( I had to call them. They did not email me, they sent me nothing in the mail ). And this is incredibly unfair. Since they didnt tell me what type of notary signature to get ( private or public ) and now they close my account. This is incredibly ridiculous and unfair to the consumer. I also think because I am a XXXX resident, they were biased towards me and felt no urgency or concern to actually help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received my bill on or about XX/XX/2020. The amount of the bill was {$51.00} with a {$28.00} minimum payment and was informed that I had cash back credit of approximately {$53.00}. I paid {$20.00} on XX/XX/2020 and assumed the cash back would cover the rest. I made a {$40.00} payment around XX/XX/2020. I was charged {$30.00} for late payment on my next bill dated XX/XX/2020. My complaint is, given my balance and the cash back credit, the late fee was excessive and the minimum payment was excessive. The late fee was almost the amount of the balance and the minimum payment was more than one half of what was owed. When I contacted customer service they were more concerned with my anger than resolving my issue and refused to answer my request as to how the fee and minimum payment were computed. I could not locate a person in Synchrony Bank that I could speak to regarding their policies.

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 monetary relief
Consumer complaint received 2022-05-04
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:
In accordance with the Fair Credit Reporting act XXXXt XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXXXXXX ( original creditor ) Account XXXX # # # # # # # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I used my card 2 times, but I pay the exact amount XXXX on XX/XX/2022 but they said it was a cicle that havent close yet, so they charged me {$2.00} dollars that I didnt know it was a cicle on it, passing 5 months the {$2.00} dollars increase to {$62.00}. After 5 months they started calling me to make the payment ( they didnt tell me anything about a cicle when I open this credit card ) XXXX. {$2.00} XXXX. {$6.00} XXXX. {$14.00} XXXX. {$30.00} XXXX {$62.00} that was the total amount that they charged me because of the cicles that I didnt know about. When I paid {$340.00} my balance was XXXX and I didnt use it anymore. Also when I paid they never said it was a circle with {$2.00} dollars to paid. Then I paid the cicles missing and I wanted to close this credit card but they said that even if XXXX not using this credit card cicles will still running. I told them that they never said this when I opened it, and they just said sorry because the lady didnt did a good job Now I want to rent and I see my credit been XXXX to XXXX please help me, next year I want to buy my house and I just know that this can affect my credit for 7 years and thats not fair. Thank you so much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with Experian about a paid and closed account with XXXX XXXX XXXX. The account was paid in full and closed but was showing as open with no reporting of payment for 60 days. Due to this, I was denied a mortgage. After calling XXXX, I was given a paid in full letter and told to dispute the information with the credit bureaus. I complied and submitted the letter from the company, payment confirmation numbers and emails for the total balance in question. The results came back today that XXXX certified the wrong information as correct. I called them immediately and they said that was impossible because my account is closed. Also, if I have and submitted documented proof, someone at the credit bureau should have at least looked at it. They clearly did not. If consumers are reporting a creditor for reporting false information ( especially more than once ) why would the bureau automatically take their word and not really investigate it. Ive let it go for years and accepted the results but this is actually costing me opposed its wrong.

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 2023-01-20
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:
I am writing to delete and correct the following information in my file.The items I need deleted are listed in the report. This isn't the first time I reached out pertaining to these fraudulent accounts. I have been a victim of identity theft and did not make the charge or benefit from these fraudulent accounts at all. 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. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

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 2022-08-17
Company: CENTRAL BANCOMPANY, INC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Transactions listed below were fraudulant. Someone accessed my account via an app called XXXX and a website called XXXX. Transactions were approved and over {$17000.00} was stolen from me. No one contacted me of these transactions, I only found out when I tried to pay a bill. A police report was filed but the bank, XXXX XXXX XXXXXXXX XXXX, refused to give any help just insisted it had to be me. I am out {$17000.00}. I am on social security XXXX and this was all I had.Now I may lose my house with nowhere for myself and XXXX sons to go. 
XX/XX/22 withdrawal to XXXXp {$390.00} XX/XX/22 to XXXX {$800.00} XX/XX/22 to XXXX {$400.00} XX/XX/22 to XXXX {$30.00}, {$70.00}, {$100.00}, {$300.00}, {$1000.00}, {$1000.00} XX/XX/22 to XXXX {$1900.00}, {$1000.00} XX/XX/22 to XXXX {$2000.00} XX/XX/22 to XXXX {$2000.00}, {$2000.00} XXXX on XX/XX/22 to XXXX {$2000.00} XX/XX/22 to XXXX {$500.00}

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 2023-06-26
Company: Experian Information Solutions Inc.
State: VA
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-01-20
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After viewing my credit profile I seen an discrepancy with National Credit Systems Validation was requested XX/XX/2022 and XX/XX/2022 and the account continue to reflect on my credit report. They have failed to validate after multiple attempts have been made to them via myself, XXXX, and XXXX. I do not believe this account belongs to me nor do I believe the creditor has authorization to attempt to collect on the account. The account continues to negatively affect me. Please strike and remove this from all 3 credit bureaus until adequate validation has been received, proving that the account belongs to me and all the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a high-yield savings account with Synchrony Bank XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX made a {$50000.00} deposit from a XXXX loan into my Synchrony account. On XXXX XXXX, I asked Synchrony if I could transfer {$25000.00} into my XXXX XXXX  checking account. The Synchrony bank representative said yes, I could make a transfer in that amount. So, I made a {$25000.00} transfer to my XXXX XXXX checking account. It seemed to be accepted. But then, on XXXX XXXX, I received an email from Synchrony saying, " This is to notify you that your access to the funds transfer service has been suspended. '' Not only has the funds transfer service been suspended, my entire account has been suspended. I have no access to my money at all. I have called Synchrony Bank several times since. Each time, they tell me the same thing : " Yes, we have suspended/restricted your account... no, we will not tell you why... no, you can not speak to anybody about it... it could take up to 60 days to receive access to your funds again. '' I took out the {$50000.00} loan with XXXX because I obviously need the money. Of course, in hindsight, I should have deposited the loan into XXXX XXXX checking, then transferred the remaining funds into Synchrony. It was an honest mistake, but I should not be penalized for it.

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 2021-11-22
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
Im XXXX, I needed to remove judgment liens on my home. I was told by lawyer I had to file bankruptcy so i did in order to to remove them. I was never aware of the process called reaffirming mortgage loan with lender, as a result the lender reported my loan as delinquent and included in bankruptcy instead of reporting payment status ; paid as agreed. Also, XX/XX/XXXX all three credit agencies marked I was delinquent from approximately XXXX through XX/XX/XXXX which has a negative mark. However, I never missed a payment nor was I ever late and I have about XXXX pages from the lender showing all payments on time, yet no one/company will remove the negative mark for XX/XX/XXXX. I also noticed that the agencies did not receive payment history several months prior to XX/XX/XXXX which shows I was delinquent or derogatory. 

All three credit agencies and the mortgage company Nationstar/Mr. Cooper has not only defamed my name, they also are fraudulently reporting incorrect information about my payment history and status. 

I have disputed this claim about 4 times a year written in different ways in hopes they would understand their errors. To date, they, Mr. Cooper still will not acknowledge their errors, therefore the XXXX agencies are still reporting XXXX delinquent/XXXX  for that mortgage. 
I sold that home and paid in full to the lender on XX/XX/XXXX. Ive been trying to get another home loan which has been difficult due to this mortgage lender reporting false information. Because Ive been defamed, and credit score has lowered due to this reporting error my quality of life has diminished to living in a rv and homeless. I deserve to have my quality of life back and these companies are destroying my mental an emotional health as a result. 

Please force them, Mr. Cooper to report correct information as I paid as agreed from XXXX through XX/XX/XXXX which was when I paid them in full, to remove the negative mark on XX/XX/XXXX and add all payments as positive, on time and never missed a payment so all three credit agencies have the correct information to change the false information about the payment history for that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: AL
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 called XXXX XXXX on XX/XX/XXXX regarding this complaint. 

Your phone number XXXX does not ring. It goes straight to voice mail. 

I Ask again that YOU remove the hard inquiry form my credit report as you are a re-seller of credit reports and my information was shared without my consent, to YOU the re-seller. I do not need to reach out to XXXX XXXX as what has occurred by my information being shared to a third party is against the law This is my second communication with you and I Would have to make this a case for noncompliance if you do not remove the hard inquiry from my report. 

This was XXXX XXXX XXXX 's previous response : XXXX XXXX XXXX is a re-seller of credit reports primarily for mortgage processing, tenant screening and employment screening purposes. This inquiry was accessed on XX/XX/XXXX, on behalf of : XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. These inquires remain on a consumers credit report for a period of 24 months ( 2 years ). We have not had any communication with you prior, either written or oral, until the receipt of this complaint. Feel free to contact the original end user listed above with any questions you may have regarding this inquiry. After speaking to them if you still feel this was accessed without your knowledge, contact us at XXXX or phone us at XXXX or write us at XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, and we'll be happy to open an investigation. Thank you and have a great day!

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 2023-01-15
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From : NetCredit XXXX To : XXXX XXXX Today at XXXX XXXX XXXX, Here 's Your Personalized Payment Arrangement NetCredit Our Plan Can Help You Dear XXXX, Account # : XXXX Since you have not paid your past-due balance, the remainder of your loan is now due. Call the NetCredit Support Team at ( XXXX ) XXXX to accept this arrangement or make a payment. 
We understand your finances may have been affected by COVID-19. If you're experiencing financial hardship, please reach out to us so we can work with you to figure out a solution. 
Our NetCredit support team is here to walk you through options specific to your

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 a XXXX year old Private client of XXXX  for over 26 years. I previously put five of my personally own companies accounts through XXXX  in XXXX, CT XXXX. For 26 years I have had a XXXX XXXX  Credit Card. I have never been late one day on payments for 26 years. In XXXX of XXXX, per XXXX suggestion, I switched to paperless billing. Up until XX/XX/XXXX I was paying off the XXXX card monthly, a very small ballance. In XXXX I was notified that the account was slightly past due. I called XXXX cards to pay the bill immediately. It was suggested that I pay from a checking account so I gave XXXX a checking account number and a bank routing number to pay the credit card bills. On XX/XX/XXXX I got a notification that my credit rating had dropped from XXXX to XXXX. When I inquired, I found that XXXX har reported me 60 past due on my Credit card and closed the 26 year old account for {$51.00}. I called XXXX XXXX Credit Card number and the system asked me if I wanted to pay from my Checking Account on file ending in XXXX I said " yes '' and paid the bill. I assumed that XXXX would pay the credit card from this account whenever it was due. They didn't, they tried to get intouch with me on a four year old disconnected phone number, even though I have a checking account with them with over {$22000.00} in the account. They have ruined my perfect credit rating over 45 years over a misunderstanding and a miscommunication. This is neither FAIR or JUST. It implies I was either unable or unwilling to pay the Credit Card payment when a 26 year history indicates otherwise. They had an account number from my checking account to pay the card. Whatever happened I NEVER RECEIVED a communication from XXXX about the card. I want the incorrect implication in my credit files removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern, I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy.

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 

Per 15 USC 1681c-2, it is mandatory for consumer reporting agencies to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. I kindly request that you adhere to this legal requirement and expeditiously remove the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 non-monetary relief