BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Bread Financial Holdings, Inc.
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a cd mature on XX/XX/23 with XXXX XXXX '. Was told there was a 10 day grace period to renew. On the renewal date, the rate for a 1 year cd was 5.20 % with a 'loyalty ' bonus of 5.40 % and that if the rate went up or down during the grace period, I would be entitled to the highest rate offered during that grace period. On XX/XX/23, with 2 days left on my grace period, I called in on a recorded call to renew at the 5.40 % rate with the understanding from representative 'Eithan XXXX that if the rate goes up in the 2 days left on the grace, I would get the higher rate. XXXX also indicated that if the rate goes down, I would be safe and locked in at the 5.40 % rate. I renewed on XX/XX/23 at 5.40 %. On XX/XX/23, I called in to confirm everything with 'Tay XXXX who I was told was a supervisor, told me my cd renewed at the 5.25 % rate. She was not professional, very condescending and could not help me get the error corrected. Also spoke to a representative by the name of XXXX XXXX who also could not help me. Very troubling situation, and very poor customer service from phone reps that appear to be in other countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
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: Report provided to employer without your written authorization

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Regional Management Corporation
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX i contacted regional finance corporate office to let them know that an employee in their XXXX branch got a copy of my credit report without my authorization a few days earlier. they said someone would reach out but never did. i reported them to the cfpb and now they are saying i did give the employee to run my credit. this is not true. i never told XXXX of the XXXX branch to run my credit. i called the corporate office again today to tell them this. now i have to get an attorney in this case and get the nc doj involved because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2017-05-12
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-up to a previous complaint with your agency. That complaint # is  XXXX . I had a mortgage on my home serviced by   XXXX   XXXX    based in  XXXX , FL, at the time that m y HOA file d a foreclosure suit against me over disputed  HOA  fees. Within days of this occurrence,   XXXX   sold the loan to a company called Green Tree Servicing, which has since changed its name to  Ditech. Ditech  is my current loan servicer. The summary of my dispute is captured in a letter I sent to  Ditech  dated  XXXX   XXXX ,   XXXX  , which is the last of several letters I wrote to them. I include it as an attachment below. I never received a response to this letter, and so I assumed the matter had simply gone away. However, starting in  XXXX    XXXX  , I saw on my mortgage statement that there was a separate charge of {$80.00}. I thought this had something to do with the escrow shortage. I finally call ed Ditech  a week ago to find out exactly what this charge is. I now discover it is to cover the legal f ees that I had disputed in my earlier complaint and that I continue to dispute. In other words, Ditech is tacking this extra charge on to capture these fee s which I contend should never have been incurred in the first place. So in fact, my complaint has still not been resolved to my satisfaction. They simply decided to ignore this last letter dated  XXXX / XXXX /  XXXX  !

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I have a diesel VW that is part of the VW Buyback settlement. I have an appointment at VW  on   XXXX   XXXX   to turn in  the vehicle and receive the buyback for early lease termination. VW  of America-  XXXX  My monthly lease payment is due on   XXXX   XXXX    (  3 days before I 'm turning in the car ), and I called VW credit to ask for a grace period, explaining that I have the appointment ( and can not get one sooner ), but they will not waive the payment. VW  XXXX   XXXX  I do not think it 's fair to have to pay for a month if I only have the car for 3 days during that payment period.     The  VW   XXXX   XXXX   XXXX   XXXX  says that I " MAY '' get a refund from VW Credit, but nobody can guarantee anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I saw my credit bureau and saw negative credit reporting by SWC reference #  XXXX . I calle d SWC SouthWest Credi  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX XXXX  Phone #  XXXX  and asked the agent for legal proof of notifying me of the collections but he did not provide any cerified mail proof of any notification sent to me about this account or collections.   I will report  XXXX  and  SWC  for illegal credit reporting practices and also to the BBB I calle d SWC today dema nding for proof of notification, the agent was very dismissive and put me on a long hold when asked to speak to his Supervisor Please have  XXXX   XXXX  and SWC Remove my account from collections as I had no knowledge of this collection item until I saw a negative credit reporting on my credit bureau accounts on  XXXX  Sincerely,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Creditor Name : XXXX XXXX XXXX Date : XX/XX/23 Action : I called Transunion and they said to contact the creditor and when I contacted creditor they did not want to assist in removing the inquiry that I did not authorize.

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 2020-03-23
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX  XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX/XXXX  inquiry XXXX XXXX XXXX/XXXX XXXX inquiry XXXX XXXX XXXX inquiry XX/XX/2018 all hard inquiries that I have no knowledge of an should be removed from my credit 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 2023-10-04
Company: Experian Information Solutions Inc.
State: PA
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:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-08-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A {$30.00} annual fee was withdrawn from my US Bank Traditional IRA account on XX/XX/XXXX. Opened the account in XXXX and never had this fee deducted before. 
Several attempts we communicated with the bank to have the fee reversed and I never received notice that the fee would be deducted from my account. 
I even set up a phone appointment with bank on XX/XX/XXXX, but bank never returned my call.

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 2023-08-25
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Contacted before 8am or after 9pm

Complaint:
I have received multiple texts from this company. 
I have requested for the texts to stop, such as reporting as junk ( with the iphone ) and have replied STOP to stop the text notifications. 
On XX/XX/23 I received a text from this company at XXXX XXXX  EST advising me to contact them regarding an important matter. 
I know which from doing debt collecting myself, that you CAN NOT contact someone that time of night regarding a debt. 
This company is in direct violation of the FDCPA and should be reprimanded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: AMERICAN EXPRESS COMPANY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im in a Direct Violation of The Fair Credit Reporting Act AMEX : ( XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) XXXX ( XXXX XXXX XXXX : ( XXXXXXXX XXXX ) has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly stated that I have the right to privacy.

15 U.S.C1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 

Please Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was successfully paying medical debts to hospital. I then suffered a temporary XXXX XXXX. I contacted the hospital to request a payment deferral which was verbally approved by hospital. My next contact were from a debt collection agency on multiple separate accounts associated with hospital all of which had previously been consolidated into a single original payment plan with the hospital. I disputed the amount owed and asked for a full accounting of all charges and payments previously made so that I could reconcile and confirm the amounts claimed I owed. The debt collector never responded to this request but is now reporting all of these separate accounts to credit bureaus. My letters sent via certified, first-class, USPS mail are attached herein.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: CO
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:
FIRST - CFPB is the best and an excellent agency and now I understand why needed. 

I filed a complaint with CFPB previously - XXXX about EXPERIAN. As a result they sent me a paper credit report via US Mail services. I received on XX/XX/18. Report # XXXX. I reviewed just now on XX/XX/18. At first I thought there was fraudulent information on the report I received and called 2 of the companies shown on the report that I had never heard of : 1. XXXX XXXX XXXX and 2. XXXX XXXX XXXX XXXX - as the report showed me as joint responsibility with a XXXX XXXX XXXX and another with an XXXX XXXX. I have never heard of either. And both companies had no record of me when I called them. They advised that EXPERIAN had the wrong information for me. 
One of the accounts on the report I received had XXXX XXXX as my wife. Which is impossible as I am XXXX and have been with my man/husband since college. 
I realized going line by line on the report EXPERIAN sent me - none of the accounts were mine. I do have a XXXX 's credit card but not the account they state and mine is open. Not closed. But again - none of the accounts are mine. NOTE : XXXX and XXXX both have my correct and current information. 
HOW COULD EXPERIAN SEND ME THE WRONG REPORT? This scares me. I have been unable to get a report ever from EXPERIAN via PHONE or ONLINE. They always say I have to submit via mail. Which I won't send my personal information through mail as if lost, I am totally open to fraud. 
Unlike XXXX AND XXXX - EXPERIAN does NOT have a number to call to speak to a human. Why is that? 
I am going through CFPB first to obtain my real credit report and to make sure it matches XXXX  and XXXX. 
I will go to my attorney [ and press ] if EXPERIAN has opened me up to fraud. Now I know why I haven't been ever able to get a free credit report each year via the phone or online - they have my file totally screwed up. 
I want my correct credit report with my accounts on it and I want a security freeze placed on my account right away. And I want an EXPERIAN representative to call me and tell me they are straightening this mess out. This is unbelievable in this day and age. And I want to be able to go online every year to obtain my free credit report just like I get every year from Experian and XXXX. 
CFPB - please help me. Thank you once again. 
ps. I did not attach the report received as I was not sure that was the correct thing to do but I can if needed. None of it is my 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 2023-08-22
Company: EQUIFAX, 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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$37000.00} XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2019-08-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The following accounts are fraudulent and they do not belong to me please remove them all. 

1. XXXX XXXX {$370.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$60.00} 4. XXXX XXXX {$180.00}

Company response to consumer: Closed with non-monetary relief