BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: Self Financial 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 everything has to be 100 % accurate on my credit report. 

This account " SELF/XXXX XXXX  XXXX was closed threw consent between the creditor and the consumer. This account is no longer associated with " XXXX XXXX XXXX '' credit profile. This is grounds for removal they also violated my rights under 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: URS Holding, LLC
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
***I used this category because your website only allows certain types of problems to be reported*** My Loan Rehab Program is being serviced by Alltran Education. I agreed ( by phone ) to become enrolled in the rehab program for my debt some months ago. I gave them my banking information, and was told a loan rehabilitation agreement was being sent for my signature, to be returned to them. After three {$300.00} payment had been made by automatic debit, without a written, signed contract, I received a call on XX/XX/18 at XXXX, where their representative indicated that I had not sent back said agreement ( I never received one ). I asked when it was sent, and they could not tell me. I told them to send it again, as their own management doesn't seem to have any control over what's being done, and as they never even recorded it being sent in the first place. I call them on XX/XX/18 at XXXX to ask if it had been sent. They said it had been sent on XX/XX/18. Not having received said agreement, I call twice on XX/XX/18 to verify it had indeed been sent, and was told by a representative and a supervisor that it had been sent on XX/XX/18. I have not received this contract yet, 13 days " in the mail '' so far. In the meantime, I see from DOE correspondence that the three payments made as of this date have not been recorded on DOE files or systems. I recently sent proof that these payments are being made, but I don't know if the DOE is recording them properly. I have asked that a case worker be assigned my file to monitor compliance of this contracted debt collecting company. I ask this again, as I can not trust the loan service company to be either honest or honorable. I need these payments to be recorded promptly, as I am seeking to apply to the loan forgiveness program after the mandatory 9 payments have been made on time - three have been made on time so far. I wish I could trust the DOE and Alltran to do the right thing, but I can't, so I'm asking for some attention to this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
They are over 21 closed accounts on my credit report that I did not do business with or authorize at all XXXX my name is spelled wrong they have addresses listed that I never lived there debt collectors Ive never did anybody with I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DelEit all Information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILIY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even richt NOW! The obvious intractions are as follows : Alleging Creditor and Account as is reported on my credit report : dspute Item and explanation By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investinated and cermanently removed from mv report.

I awai your reply wikh ( ne above reque sico prool. 
Upon receiving All correscond back with you XXXX XXXX XXXX XXXX  Sincerelv. Your Full Name *Attach copy of ID and Utility bill ( bank statement if you don't have utility bill )

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 everything has to be XXXX XXXX accurate on my credit report. 

This account " XXXX '' was closed threw mutual consent between the creditor and consumer and is no longer associated with the individual " XXXX XXXX XXXX '' I demand it be removed but my request was ignored. 

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 consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX 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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Transunion directly @ XXXX. The Agent on the phone was unable to help me after identifying myself. Then their supervisor came on the line and advised me to contact a third party XXXX XXXX  in order to obtain a copy of my Transunion Credit Report and Score. I insisted on reviewing my Transunion Account directly with Transunion not a third party. After providing them with all of the information they requested the Supervisor then had me log into a different site that brought me to their site. I followed the instructions and obtained a new account log in user name and password. Upon reviewing the information on the report it appeared to be incomplete and there was no credit score. The agent said that I had to pay Transunion in order to obtain my Transunion Credit Score. I want my score for free as is my legal right at this time and in the future when I log into my Transunion account just like I am able to with the two other Consumer Credit Reporting Agencies XXXX  and 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 2019-04-04
Company: NATIONWIDE ACCEPTANCE LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Loan paid down by XXXX they applied it to balance not as payments.

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 2023-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I filed a claim with Bank of America of potential fraud. After looking back into the account it was my error so I called to cancel the claim. They credited me four different transactions for the amount in question. {$79.00}, XXXX, XXXX and XXXX the very same day. Being that I cancelled the claim the debited the amounts back the very same day. Now on XX/XX/XXXX they debited the amount of {$79.00}, XXXX times under the same claim that was suppose to be cancelled. Which equals in the amount of {$940.00}. Now I have been missing that money for XXXX business days counting today and XXXX weekends. I've called several times and no answers. They give me the same story. We are looking into it. I have been with this bank since XXXX  and never had a problem until now. I just want it resolved and want my money back. It's obviously a bank error and they filed another claim under the same number reopening this claim. It was escalated XXXX XXXX  ago and when I called to see the progress they told it was never escalated.

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 2021-03-11
Company: Wilson, Riley & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company which i believe to be a total scam has called my place of employment multiple times. XXXX from wilson and associates says they will be serving me papers at work and hime address. they also tell me if i make arrangements they can call off the process. my employer has asked them not to call back but they keep calling. i cant find any info on this number or company. please help. thank you for your time

Company response to consumer: Untimely response
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hi I purchased a furniture from XXXX through synchrony bank credit. The 1st transaction was on XX/XX/2022, for $ XXXX XXXX one was on XX/XX/2022 for {$1300.00}. When we signed the papers the manager explained to us that we get 1 year to pay with no interest. After the one year we will be charged a monthly interest like every other credit card and said sign here. We paid $ XXXX  monthly payment every month on time through the Auto payment. By the month of XXXX I had a remaining balance of {$2400.00} and thats when I traveled out of the states. While my trip, there app stopped working and I wasnt able to check anything but I knew That I was enrolled in Auto pay. After I came back I checked and my balance went up to {$4100.00}. I have to charges of interest, one for $ XXXX the second one for {$570.00}. I called synchrony customer service and they said that it was said on the fine print that if I dont pay the full amount by the year it will charge me interest for the full balance even for the payments that I already paid. And he also said that my account is closed for no reason. 
I tried with them to take off the interest and i will pay the full remaining balance in full but they refused. I spoke to a manager and I explained that I was traveling and the app was not working and no one explained this at the beginning. They just told me to sign at the bottom and explained what I mentioned up on this letter. But the manager said that they can only take off the {$530.00} but the {$1100.00} I have to pay it. And he said that I will also still getting charged an interest monthly!!!!! I never seen something like that all my life. A month after I purchased, I referred my friend to them and she purchased for {$25000.00}. And after that the customer service representative and manager have a very bad attitude. And this way my balance will never end. Please help me this is the first time I use ur services. 
Thank you

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 2023-10-21
Company: ARVEST BANK GROUP, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Blacklist defamated discriminated forgery restricted ilegally retaliated persecuted ilegally They asked for a {$50000.00} US dollards down payment and I gave it to them... also my monthly payments were not calculated properly ... .also, price did not match others, price of townhomes ... ..it is still mine... .forgery, but it did increase in value... damages after that ... will not disclose damages unless asked 2008 ... until today ... Fraud, a short sale?, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been using Experian credit monitoring for over the past year to keep track of my credit activity. Although I was paying them and getting weekly or biweekly emails, they failed to find negative activity on my report. I was an authorized user on XXXX card and XXXX XXXX XXXX card without my knowledge. XXXX XXXX and XXXX had the correct info, But Experian did not. Therefore my credit was getting worse without me knowing although I had faith and I trusted this company to monitor my activity. I was not aware I was an authorized user even though I removed my name from those two accounts.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX was told that charges were coming up that I did not make, they said they would fix the charges, they did not. Then they said they made mistakes through computer error, I called them and they were told months prior that someone who claimed to be discover called and told me they were opening a line of credit under my information. XXXX said they said they never called, then they said their bank called, then they said their bank did not call. Either way multiple pulls were made as shown in the credit report.No one listened or assisted.

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 2023-07-11
Company: FORD MOTOR CREDIT CO.
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 Convergent Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, Charles Schwab Bank closed my checking account with {$200.00} remaining. They provided false information for a month, claiming that a check was mailed to my address on file. On XX/XX/XXXX, they admitted to never returning my funds and claimed that an undisclosed department would provide feedback on why they opted to keep my money in lieu of resolving the theft. I have no outstanding charges, fees or pending transactions that would interfere with the return of my own money from Charles Schwab.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: NC
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:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation