BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 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 2022-12-09
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:
On XX/XX/2021 Trans-Union Received my dispute towards a collection charge. I was requesting proof of accuracy collection company " XXXX XXXX ''. These charges are not mine nor did I ever get a validation letter. When investigation was over they said " Meets FCRA requirements '' If thats the case give me the investigation report to VERIFY. But no response from them and STILL the charged account is on my report! 

In accordance with the Fair Credit Reporting act 15 U.S.C 1681 & Fair Debt Collection Practice Act U.S.C 1692, has violated my rights.

15 U.S.C 1681 section 602a 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 without my written instructions.

15 U.S.C 1681i section ( 6 ) Notice of results of re-investigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a re-investigation under this subsection not later than 5 business days after the completion of the re-investigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

I never received this

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 2023-07-05
Company: LJ Ross Associates
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm trying to buy a house the information that was on my credit report was not accurate. I realized that I had damage report on my credit report. Some was already all paid off, they still have it on mmy credit report. According to the law 15 U.S.C 1681 there should not be no damage on my report it's a definition to my character.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-08
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Lowes/Synchrony bank card declined at Lowes. Learned that Fraud Dept closed account but would not explain why, or what transaction triggerred this closure. They locked me out of my Online Log In so I can not assess what is valid or not. On over 10 calls they have refused to talk to me or email me a list of transactions. One agent promised that I would received an email no later than 48 hours with a list of transactions. Instead, I get a message saying I need to log in to access an important message ( I have several such messages, despite the Bank locking me out of Online Log in ). How stupid is that!!! This could be error or Fraud, possibly insiders at the Bank or a rogue Lowes employee. I can not get their silly iphone verification process to work after several attempts. 

The account was closed by bank, which is fine with me, as I never want to waste another minute with this bank. However, my account is set for autopay and I dont want to payment to occur without having opportunity to review the charges they have attributed to my account. Again, this has been handled so badly, compared to any other bank I have dealt with over 50 years, that I suspect bank fraud. I need the data!! No other bank would ever deny a customer access to card card charges so cardholder can assess validity. I believe there are fines for Banks denying customers access to this data. I want the CFPB to levy maximum fines for egregious, illegal conduct by Bank. 

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 2023-01-19
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. 

Mohela is denying my application because the authorized official is not authorized to certify employment. However, my application was signed by HRIS Specialist, who is authorized to certify my employment dates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 vehicle broke 2hrs after signing for the loan. I was outed the down payment as well as insurance fees. I was financed a warranty I was told came with the car. I was not asked if I wanted the warranty. Car was bought at XXXX XXXX  miles warranty only covered expenses under XXXX miles. The loan company promised a working vehicle. Credit acceptance and 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 2023-02-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concerns My name is XXXX XXXX resides at XXXX XXXX XXXX XXXX XXXX CA XXXX. I received several fraud alerts ( XXXX, XXXX XXXX ) and bills from several creditors ( XXXX, XXXX XXXX Barclays, ) regarding past due amounts in XX/XX/XXXX. That was I found out that my identity was stolen. I contacted 3 credit bureaus to freeze the checking and applying new credits and contacted all creditors. 
I own a residence home for XXXX years and several properties in rentals for more than 10 years, my income is $ XXXX. I would not do anything to jeopardize my credits. I live in the house with my wife XXXX XXXX, a XXXX old son and elderly parents ( XXXX and XXXX ). To find out who use my identity, you should follow these leads : XXXX ) To purchase the thieves must have the physical credit cards. Where did they get the cards from? Where were the cards sent to ( address )? 
I did some research and discovered : I live in XXXX CA, outside of XXXX, but on the attachment letter, I see the XXXX # XXXX located in XXXX Alaska, which you can easily obtain by calling any XXXX store and ask location of store number # XXXX ( I randomly called XXXX of the stores and asked for # XXXX ). I then called this tore to verify if it is # XXXX For XXXX, since this is a large amount, you should initial the joint investigation with XXXX by looking at the XXXX XXXX, or receipts etc. 

XXXX ) For XXXX stores # XXXX and # XXXX, they are actually XXXX gas XXXX ( XXXX bought XXXX XXXX  XXXX  in XXXX ). I called the XXXX corporate ( XXXX ) and obtained XXXX XXXX addresses as following : Store # XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX PA For XXXX XXXX XXXX, the stores mainly are concentrated in California, are the most are in XXXX XXXX XXXX XXXX I am not able to locate, because there is no location #. 
By doing some investigation, you easily find out some inconsistences here. I attached here XXXX solution after they found out that I am living in XXXX CA, but the purchase was in LA area by looking at the store number, and the phone number never been dialed in a month.

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 2023-07-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
am not a lawyer, but I can attempt to provide some general information. If a mortgage company fails to maintain an accurate loan origination date, it may potentially violate several sections of the XXXX XXXX of Georgia XXXX ( XXXX. ). However, to determine the specific parts of the O.C.G.A. that might be violated, it is essential to consult with a qualified attorney who can assess your situation in detail and provide precise legal advice. Here are some potential O.C.G.A. sections that XXXX be relevant : O.C.G.A. XXXX ( XXXX and False Swearing ) : This section addresses false statements or representations made knowingly, with the intent to defraud. 

O.C.G.A. XXXX et seq. ( Georgia XXXX XXXX Practices XXXX ) : This act governs deceptive trade practices and unfair business practices in Georgia, which could include misleading borrowers about loan origination dates. 

O.C.G.A. XXXX ( False Advertising ) : This section pertains to deceptive or misleading advertising practices, which XXXX apply if the mortgage company advertises loan terms inaccurately. 

O.C.G.A. XXXX ( False Statements in XXXX ) : This statute prohibits false, deceptive, or misleading statements in connection with the advertisement of consumer goods or services. 

O.C.G.A. XXXX ( Violation of Title ) : This section establishes that violating the Georgia XXXX XXXX Practices Act is considered a violation of Title XXXX of the O.C.G.A. 

O.C.G.A. XXXX ( Power of Sale Foreclosure ) : This statute deals with foreclosure procedures in Georgia. If the mortgage company uses an inaccurate loan origination date as part of the foreclosure process, it may potentially violate this section. 

O.C.G.A. XXXX ( Deed of Trust Foreclosure ) : This section is specific to deeds of trust, which are used as security instruments for loans. Violations of this section could be relevant if the mortgage company 's actions involve deeds of trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX because I had so much identity theft with XXXX I bought a prepaid card from XXXX and the money disappeared.

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 2023-10-27
Company: EQUIFAX, INC.
State: TN
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 obtained my consumer report and noticed several items on my report that do not belong to me. I had contacted the 3 major credit bureaus ( XXXX, XXXX, Equifax ) notifying them letting them know that I am a victim of identity theft. I also reported this fraud to the Federal Trade Commission and obtained a identity theft report # XXXX. I sent the bureaus a copy of the identity theft report and response I either received generic responses via mail and email such as : the information was verified, misrepresentation of my identity theft report, and someone else ( third party ) disputed this information on my behalf which is all false. After recently contacting the bureaus via telephone was told by a representative that I need to document this theft with my my local police department. I file a report with the XXXX Police Department report # XXXX. Both reports are attached. I have also contacted a attorney in the attemp to file a civil suit against the 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: SYNCHRONY FINANCIAL
State: OH
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 went to Sam club recently to inquire a Business Credit Card. I purchased a XXXX XXXX for {$110.00} to start the process. I then filled all the paperwork out regarding my business information. ( Address, XXXX, & so on. ) The store representative then states the application is trying to convert its self to a XXXX XXXX, which is NOT what I asked for. I made it clear XXXX times I have enough Personal Cards, I just need a Business Credit Card through them to help supply my business as needed. She then called corporate and was put on hold I waited for XXXX XXXX to talk to someone. She picks up other calls incoming on another phone & then places the corporate call on speaker. When they answer she places the other conversation on hold, takes corporate of speaker and tells them for some reason the application type switched over and she cant change it. She gives me the phone I explain that isnt what I asked for they ask for her again for some information off her cpu. She gets put on hold again. She soon responds to someone telling them what happened then say here he is and hands me the phone. I say hello, a man responds Im tryna see about a credit card I applied for a XXXX XXXX Clearly thats wasnt corporate, I tell her she says Im sorry idk what happened I can give you their number. I got the number and had no choice but to leave at that point. Call them myself the tell me they can take it back which may be true but I asked so now what am I to do they basically said I need to contact credit bureau because its out of their power at this point. So ultimately I was also denied meaning I dont have the card but even if I was accepted it still wasnt what I inquired for. So shortly after my credit was hit for the hard inquiry of course. Im trying to get it removed and corrected. Please and 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 non-monetary relief
Consumer complaint received 2023-08-12
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Dear CFPB Team I have been a long time Amex card member ; 15 plus years. I use several of their credit card products ( 4 ) and pay over USD XXXX per year on fees on these cards. 

On my Amex Hilton Honors Card ( Card number ending in XXXX ), I was charged an interest charge of {$230.00} on XX/XX/XXXX. 

I called the rep and wanted to understand how the charge was calculated. The rep mentioned the payment due date on the balance was XX/XX/XXXX, and I had paid a few hours delay on XX/XX/XXXX. I explained I have never defaulted on any Amex payments over the last 15-plus years and, for a few hours of delay, should not be charged such high interest. 

I asked on what balance the interest was charged, and the rep, XXXX said he could not tell me on what balance the interest was applied as the system does not maintain that record. He said my last balance was about {$2900.00}, and my interest rate was 24.99 % per annum. I explained charging {$230.00} on a {$2900.00} balance for a few hours delay at 24.99 % is difficult to calculate even from a maths point of view. I asked him to explain, and he said he did not know how to explain as the system has no record of the balance on which the interest was applied. The call recordings should have the details of the conversation with the rep. The rep refuse to provide me a copy or transcript of the call recording and mentioned the recording could not be provided. I spend ~57 minutes across 3 reps. 

I would request the CFPB to look the unfair practice 1 ) f charging such interest not only for me but for all such Amex consumers, 2 ) provide a clear explanation to customers on the calculations, 3 ) Train their customer service to handle and respond and 4 ) look at possible class action benefits. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: AL
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:
On Saturday XX/XX/XXXX, it was brought to my attention that a fraudulent account had been added to my credit report. 

" XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) '' This 'collections ' account is not only fraudulent but is direct violation of several laws, in addition to the rights of a consumer through the fair credit act. 
1 ) This account has been removed several times from XXXX, and XXXX XXXX as fraudulent. 
2 ) It is showing this account has been paid or in good standing since XXXX, which is not true, because this account is Fraudulent, and just been added to the account. 
3 ) It is a 'collections ' account, but doesn't correspond with any account on my report, as my report shows, I have never missed a payment.

4 ) They are re-aging/changing dates on this Fraudulent report, from the original dates they tried to apply it to my report the last time, in hopes of having placed again on a different reporting agency.

5 ) It has chanced reporters for the fourth time, and each time I have provided proof that this account was fraudulent, it has been taken off my account, and then a few months later the account shows up again without any foundation to their claims.

6 ) This stems from the identity theft I experienced from XXXX. 
7 ) This account CAN NOT be legally verified as accurate, due to it be fraudulent, and me never owing this company, or any of the one 's before it. 


If this is not immediately removed, I will seek swift legal action in my local jurisdiction, as is my right, against this company, and any reporting agency that allows this account to remain on my credit file. 

This will be my only attempt to handle this issue outside court. 

I will not be made to continue re-prove the inaccuracy and fraudulence of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: National Credit Systems,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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX National Credit System # XXXX -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 explanation
Consumer complaint received 2023-02-19
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:
I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company closed both credit cards without any notice and continue to report late payments after closing for no reason or notice. One card had perfect payment history at the time of being closed. I demand that Capital One be completely deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account is a charge off where they were already paid and was supposed to close the account i have sent out letters that have been ignored an it is showing as an open balance which is putting a hardship on my life.

Company response to consumer: Closed with explanation