BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: FC HoldCo LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
The loan I applied for on XX/XX/XXXX and was denied on XX/XX/XXXX. The dealership mailed a signed " notice of election to rescind '' the contract and I was pressured to return to the dealership during the third week of XXXX. The salesman I originally worked with was not on site to explain what was going on but I had to sign some new paperwork and was told that my {$1000.00} deposit was being moved to a new contract that would allow me to keep the car. This new contract was signed that same day during the third week of XX/XX/XXXX. One week later Flagship Credit Acceptance contacted me saying I had a payment due in two weeks. My first two payments to Flagship were deemed late and when the Flagship representatives asked me why I was making late payments, I explained that I was under the impression that I did not owe them money and that I was confused as to what was happening. I've since then, located a copy of the Notice of Election to Rescind and contacted Flagship to ask for a copy of the contract they are executing. I contacted Flagships customer service via email on XX/XX/XXXX along with a supervisor by the name XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail. I also contacted another supervisor, XXXX XXXX, via email on XX/XX/XXXX. In each email I have attached a copy of the " notice of election to rescind '' for the contract dated XX/XX/XXXX and asked for a copy of the contract being executed. The company will not respond to me and continues to report information to the consumer reporting agencies that is damaging to my report. Please help.

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 2023-10-28
Company: EQUIFAX, 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:
This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove, XXXXXXXX XXXX XXXX XXXX account XXXX XXXXXXXX  XXXX from my consumers report, this payment is being reported twice within another XXXX XXXX account XXXX dated the same year and month, I was never late on this XXXX account. This is against FCRA to have two of the same payment reporting on two different accounts I have never been late. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER gave you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted or late payments must be deleted immediately or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone took {$620.00} fraudulently from my account have tried to call the bank they have closed my dispute two different times that I've had to reopen they say there's no fraudulent activity detected but all of the transactions were in Texas I live in Utah they were done while I was at work and I've called the bank several different times have been fighting with them all weekend about it and they say there's no fraudulent activity detected I've had to have them reopen the disputes twice now because they keep closing them and denying my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be correct as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-18
Company: Experian Information Solutions Inc.
State: MO
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:
Improper reporting of medical debt. Medical debt can not be reported before it is one year past due. 
Medical debt is legally defined as debt that arose from the receipt of medical services products or devices.

Medical debt can not be reported until it is at least one year past due. 
Medical debt has nothing to do with the holder of the loan it has to do with whether the debt arose from the receipt of medical services. 
Due to a life-threatening illness I was forced to have medical services. Thus my alleged debt arose from the receipt of medical services. 
The allege debt can not legally be reported before the one year mark however XXXX XXXX has denied numerous request to remove the credit entry. They even failed to respond to the XXXX XXXX XXXX complaint. 
I am demanding that the medical debt be removed from my credit file. 
For it to remain on my credit report XXXX XXXX must prove that its not medical debt and that it did not arise from the receipt of medical services and that its not one year past 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 2022-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 Almost midnight, I received the notification from the BOA app, and it indicated my account is locked. 
XX/XX/2022 I came to the local BOA nearby and asked the associate for assistance and help. But the system can not respond to related questions on weekends. So, the associate decided to make the call on Monday. 
XX/XX/2022 Associate helped me make a call to clarify the situation happening on my account. But the company responded there is nothing to say. And the associate try to withdraw the money from my bank, but she couldn't. Because it is closed. 
XX/XX/2022 The associate made a call again to the system and ask to withdraw the money. But the status is still under review. No one knows what's going on. 
XX/XX/2022 I came to the same branch of the bank again and wanted to make sure I can withdraw the money. The associate still worked on and the manager try to make a call to the upper supervisor to solve the problem. I still don't have the answer. 
I can prove any transaction that is clear and be done by myself. 


If I can not withdraw the money, I can not pay the rent and tuition, even the food.

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 2023-10-28
Company: EQUIFAX, 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:
This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove, XXXX XXXX XXXX account # XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 
15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Last week, my brother sent money to my Venmo account to repayment me back for the money that he borrow XXXX cash from me back in XXXX. Venmo has previously closed my account due to violation of their term of service without any explanation of what I violated back in XXXX. So, I closed the account and open a new account but was hitted with same violations when I tried to enter my bank account to make a transfer. Once again, Venmo provided no explanation for why they flagged my account again and they deactivated my account with money still in there unabke to transfer it out or send it back to the sender. I believe this is highly unethical and should be looked into. Both my brother and I are out the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions 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:
Fourth time submitting a dispute with the Credit Bureau over the past year to clean my credit getting things that are incorrect or invalid removed. 

They addressed something but keeps leaving out things. 

INCORRECT ADDRESS XXXX XXXX XXXX XXXX # XXXX XXXX AZ, XXXX I ALSO HAVE HARD INQUIRIES THAT I DID NOT AUTHORIZE XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years I have attached a copy on my ID for the correct spelling of my name. Please remove any and all variations of my name and misspelling. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( XXXX ) XXXX ( 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 companywithout 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 this account. 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 reportsno consent is fraud. Please remove this fraudulent account : Bankruptcy XXXX XXXXXXXXdischarged Reference 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
Consumer complaint received 2022-06-11
Company: DISCOVER BANK
State: FL
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:
On XX/XX/2022, I unknowingly made a purchase on a fraudulent website which had no intention of ever sending out the product I purchased. Upon reading of other people having the same experience, I canceled my order. The company sent me a fake cancellation email, and did not refund my purchase - documentation that I informed Discover that I had, and would have been happy to provide. I contacted Discover Bank today, XX/XX/XXXX, where after being transferred 4 times to different agents, the representative told me that Discover would not be continuing with a chargeback, because it was not the result of identity theft. The agent proceeded to tell me that I should resolve my issue with the merchant by " complaining about it online ''. This is in violation of the Fair Credit Billing Act regarding disputing a charge for a good or service that one did not receive as a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an invoice from a business called Wakefield, telling me I owed money left from a loan under XXXX XXXX. I have never received a loan from, nor ever heard of a company named XXXX XXXX. Upon researching this company I have found that this is a scam between the two companies to try and get money out of people. When calling the company they wanted me to give them more personal information to verify the account, I refused and told them I would be turning it in as fraud. This company sends out invoices with smaller amounts hoping consumers will pay the amount and avoid the hassle of it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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 sent a certified letter to Experian on XX/XX/XXXX requesting that I be provided with the information of the company and or doucmentation that was used to verify the accurancy of the four bankruptices that are listed on my credit report I received the reseuts of the investigation and experian confirmed the accuracy but did not provide the information of the company and / or doucmentation that was used to obtain this information. 

On XX/XX/XXXX I placed a call to experian customer service. I was told that the company that was used to obtain this information is XXXX XXXX. I advised that I would like this matter re-investiagted because I have a letter from XXXX XXXX date XX/XX/XXXX that there is no receords of such Bankrupticies and that they were removed from their records. I also have a email of the United States XXXX court stating they do not verify any public information with the credit reporting agencies.

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 2022-06-11
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  account student loan XXXX XXXX, US Dept of EDXXXX XXXX XXXX US Dept of EDXXXX 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, Also states a consumer reporting agency such as XXXX, EQUIFAX AND XXXX can Not Furnish a account without my written signature or instructions to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
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:
USAA continually reports incorrect information on my XXXX credit report for the Date of First Delinquency ( DOFD ). They currently show the DOFD as XX/XX/XXXX which I have disputed with the CRA and USAA multiple times to no avail. According to the FCRA 623 ( a ) ( 5 ) ( A ) When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month, and year the consumer 's delinquency resulting in the referral began. This first delinquency leading to charge off was XX/XX/XXXX when I first became delinquent ( 30 days ) leading up to a charge off status NOT XX/XX/XXXX ( the date of charge off status ) as they continually report knowing it is, in fact, inaccurate and a violation of the FCRA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: CA
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 revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, XXXX XXXX 

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Company response to consumer: Closed with non-monetary relief