BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-08
Company: Experian Information Solutions Inc.
State: GA
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 debt that XXXX XXXX  XXXX is claiming in not a valid debt and no debts are owed XXXX XXXX XXXX XXXX 

In 2017 XXXX XXXX  a closed several accounts that had been opened for months with over drafted balances due to fees XXXX XXXX  added to the accounts. Once the account were closed XXXX XXXX  sold those debts for those accounts to multiple people. In XX/XX/2017 the FDIC sent notifications to me that XXXX XXXX  had failed and all future payments owed to XXXX XXXX  would go threw them. Months later multiple companies contacted me regarding debts owed. One of those companies was XXXX XXXX on Behalf of XXXX XXXX XXXX XXXX The date of this conversation was XX/XX/2017. I spoke to XXXX XXXX  regarding this debt several times. During my final contact with XXXX XXXX via phone I asked them for the direct contact information of the company claiming ownership of this debt. XXXX XXXX refused to provide the debt owners information. This was a direct violation of my rights under the FCRA. In accordance with the FCRA the name and contact information for anyone claiming a debt is owed must be provided. XXXX XXXX did not provide this to me at all. Because these rights were violated by a third party acting on the XXXX XXXX XXXX XXXX XXXX Any debts they claim are owned are null and void. XXXX XXXX was given a opportunity to verify the owner, the debt amount and come to a settlement. They chose not to do so and never informed 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 2023-12-05
Company: REGIONS FINANCIAL CORPORATION
State: MO
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:
We submitted multiple checks for escrow and scanned the front of the checks ( front only ) and emailed them to the contractor as proof of delivery. The contractor was fired from the project after delivery of the checks to escrow. The checks were written on XX/XX/XXXX and cleared our account on XX/XX/XXXX. I called our attorney to confirm he still had the original checks in his possession, which he did, still held in escrow The contractor printed the PDF 's that were emailed to him, cut the paper into check size and endorsed the back, which as a blank sheet of paper and proceeded to mobile deposit them into his Bank of America account. You can clearly see in the attached documents that the checks were printed on a printer, cut into size and the back is blank because it was a sheet of paper and not an actual check. We notified our relationship manager at Regions bank on XX/XX/XXXX regarding the fraudulent checks, she agreed they were fraudulent and informed me we had 60 days to file a complaint. The checks were on our XX/XX/XXXX statement so we were within the time constraints. Our relationship manager incorrectly filled out the claim so Regions internally rejected the claim twice in 4 months without ever sending the claim to XXXX  XXXX XXXX. When Regions finally sent the claim to XXXX  XXXX XXXX, at our request, XXXX XXXX XXXX paid 2 of the 7 fraudulent checks but the contractor had drained his account of money so the other checks didn't get paid. I've attached copies of the checks and a response from Regions regarding the claim. 

Regions still does not fully understand that the images that were mobile deposited are not of the actual check, they were photos of an image printed on a printer with no actual back of the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: TX
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:
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 XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, 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 Experian, XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX EXperian, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2023-11-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit 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:
On XX/XX/2023, I purchased furniture from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - items purchased included a bedroom set ( King Size bedframe, 2 nightstands, storage bench, dresser, warranty on these items, delivery fee for these items ) and a living room sofa set. Less than 2 weeks into ownership of the bedroom set, my wife and I woke up at 3 in the morning because our bedroom crumbled beneath us while we were sleeping. Upon going into the store and requesting a refund for the bedroom set, they offered an even exchange to replace with a new set. However, I showed them on the showroom floor why the bed 's design is flawed and an even exchange would not be acceptable as the quality was not as advertised. After much back and forth with the store, they resisted giving us a refund so we filed a dispute with Synchrony Financial on XX/XX/2023. I kept communication with the store and continued to leave honest, yet negative reviews, on their social media so they finally agreed to refund us for the bedroom set and pick up the items over over multiple days in XXXX. The items were all removed from our house by XX/XX/2023, however, as of XX/XX/2023, no refund has been processed for the items that we are no longer in possession of. I called Synchrony Financial Services as I noticed my auto-pay was getting ready to process from my account on XX/XX/2023 and they explained they closed my dispute altogether because the store did not respond to their inquiry. The only option Synchrony gave me was to open a new investigation as of today with different verbiage around the items not being delivered. I asked them to raise an executive complaint about this to which they responded that they do not have an escalation process to get complaints to executive management. Our current balance with Synchrony Financial is {$5600.00} when it should reflect the reduction for the cost of the bedroom set ( {$4300.00} ) so our balance should only be {$1200.00}.

Company response to consumer: In progress
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX, XXXX OBTAINED A JUDGEMENT FOR XXXX CREDIT CARDS, i have been paying agreed amount for about 6 years and i noticed that they added a XXXX $ fee for every payment made. i still owe about XXXX total on debt, they never informed me from the beginning there would be a fee added. i pay XXXX $ per acct 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 2023-11-21
Company: Experian Information Solutions Inc.
State: MD
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:
By 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 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 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 XXXXXXXX 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 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.

These inaccuracies are affecting my ability to get a house for my family.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: TX
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
VIOLATIONS In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

Summary of Accounts being challenged in list form 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy. 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance if the validation of debt request isnt completed.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family.

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 2020-06-16
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was in a car accident and my car was totaled, I had XXXX XXXX XXXX and spoke to my rep repeatedly. She knew I was in the accident and no longer needed the insurance and still charged me for a month of service I did not have a vehicle after I dropped the insurance.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern XXXX is reporting that i pay {$560.00} a month on my credit report.I talk with XXXX and we came up with a settlement offer that i pay {$270.00} a month for 12month.I made two Payments for XXXX and XXXX in the amount of {$270.00} and on my credit report my remaining balance shows I owe {$2900.00} but on their website look what my remaining balance is {$5500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: AMERICAN HONDA FINANCE CORP
State: FL
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:
This is a follow-up to our initial complaint # XXXX submitted on XX/XX/2018. The response from Honda Financial Services just further proves how corrupt and incompetent that organization is, and someone there needs to go to jail. The matter at hand pertains to a fraudulent {$350.00} that Honda has been trying to extort from us hardworking minorities. This seems to be pure racism by them. Their response to complaint # XXXX is that they charged us {$350.00} because of a turn-in fee. HOGWASH! Under the terms of the contract, the fee is waived if the customer subsequently purchases or leases another Honda. When we returned our XXXX XXXX XXXX to the XXXX XXXX dealership in XXXX, FL, we advised the dealership that we would be purchasing another Honda but that it may be a bit longer than 30 days due to an upcoming move. The Honda representative at the XXXX dealership said that would be fine, and that although 30 days is generally the time parameters they provide, Honda would happily extend that to the end of the year for us. My husband, XXXX XXXX, and I, subsequently purchased a XXXX XXXX XXXX in Connecticut on XX/XX/2018 ( account # XXXX ) and adhered to the end of the year parameter Honda provided to us. For them to now attempt to falsely claim their attempt to extort {$350.00} from us is due to failure to comply with the turn-in parameters when we in fact complied with the very turn-in parameter they told us would be fine by them is ridiculous. Honda Financial is corrupt and this is an act of racism. Shame on them, our society should not tolerate such racist behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: Zions Debt Holdings
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved from XXXX XXXX XXXX  in XXXX and had XXXX XXXX XXXX on my house that I was renting. I moved into my in-laws house in XXXX of XXXX. Called XXXX multiple times and told them I dont have a house of my own to put the system on. XXXX was okay with that as long as I was paying my security equipment loan. I paid the loan off in the middle of XXXX. Two months ago I got a text message out of the blue saying I owed {$1700.00}. I called the number to find out what the issue was. They said that XXXX had sent me into collections. I havent heard from XXXX since XXXX and now it has hit my credit with a Derogatory mark and lowers my score by XXXX points. I was never notified of a debt of that amount and furthermore was never provided any notice that I would be sent to collections. This debt needs to be removed from my credit report and the collection account closed. I do not owe it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: NC
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 response to consumer: Closed with non-monetary relief