BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
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 according with the Fair Credit Reporting Act XXXX  Account XXXX Account # XXXX Has violated my rights 15 USC 1681 section 602 8 state I have the right for privacy 15 USC 1681 section 604 A section 2 also state The consumer report agency can not furnished my account information 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 2022-05-17
Company: EQUIFAX, INC.
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 according with the Fair Credit Reporting Act XXXX  Account XXXX Account # XXXX Has violated my rights 15 USC 1681 section 602 8 state I have the right for privacy 15 USC 1681 section 604 A section 2 also state The consumer report agency can not furnished my account information without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Better Mortgage, Inc.
State: KY
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:
I applied for a mortgage pre-approval on XXXX with Better.com with the understanding that they don't do a hard inquiry. Their website clearly states that they do a soft-pull that doesn't affect my credit in any way, however, I received a notification through XXXX XXXX that a hard inquiry had been done with the bureaus, and my credit score dropped as a result. I did not authorize a hard pull and would like this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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

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 2022-05-17
Company: Kikoff Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I thought i was applying for a loan. I never got any money from them and they are trying to bully me into paying them! I disputed it on my credit but they said its mine. I was tricked into this. I thought i was borrowing {$500.00} to help me pay rent. They are a scam company trying to take advantage of broke people. Now my credit is impacted. I have told them they will never see a dime from me. I dont pay scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS
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've contacted Toyota Financial and the credit bureaus requesting them to remove two vehicle loans that are now closed but reflecting late payments ; however, my divorce decree property settlement states my ex-wife is responsible for these account balance since 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX XXXX ran my credit WITHOUT my authorization or consent on XXXX XXXX, 2022. I was notified by the credit bureau when acquiring about my credit. This is a violation ( 15 USC 1602 ( p ) ) for unauthorized of my social card. I never once came into your dealership or never once signed anything regarding the use of my card.

Using a customers card ( social # ) without authorization is AGAINST THE LAW. Then adverse action against the consumer is also AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692 ( k ).

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that my identity was stolen and I was also discriminated against by XXXX XXXX XXXX XXXX XXXX due to the credit reporting agency. ( XXXXXXXX XXXX XXXX ( AUTO ) XX/XX/2022 ) As it appears on my report. 

XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S.C Code 1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, move only in good faith, you stole my identity but credit was NOT issued.

Furthermore, because my social card number was used and I received NO benefit. This is Proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Credit card account marked as late on XXXX however i was never late and even submitting proof they refuse to correct the error but yet marked account as verified. I have contacted the credit card company as well and they are also referring me to the credit bureaus for resolution so i'm getting not where.

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 2021-06-01
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2021, I received an email from Experian ( Attachment # 1 ) to my secondary email address indicating that my email address was changed on my Experian account. I attempted to login to my account and change my login credentials to prevent my credit information from being stolen. However, my credentials were no longer recognized, and when I tried to retrieve my username or password using my SSN and DOB, nothing was sent to my email as it has been changed in the system. I called Experian using various customer service numbers they list on their website ( XXXX, XXXX, XXXX, and XXXX ) and was unsuccessful. The automated messages asked me to access my account online or enter my credentials ( which were not recognized anymore ), and the only live representatives I could reach were in Business department. These representatives were not able to assist me or transfer me to a manager or Individual department. I then sent two emails to the support team on XX/XX/XXXX and XX/XX/XXXX ( Attachments # 2 and # 3 ) and never received a response. I am a former victim of identity theft and had a credit freeze on my Experian account. Despite having a notice on my account that I do not want changes made to my account without first being contacted, someone was able to take over my account. I am very concerned for my credit health.

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 2023-05-30
Company: Experian Information Solutions 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 listed below have violated Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am a private student loan account holder with Navient. I requested from Navient a detailed student loan payment history that includes the bank accountor at least the last four digits of said accountfrom which my payments to Navient were withdrawn. Navient has refused to provide me with this information.

By way of background, I am in the middle of a process to have my past student loan payments reimbursed. Among other documents, the reimbursing party wants two documents : ( 1 ) the bank statement showing the withdrawn payment; and ( 2 ) my student loan servicers payment history showing acceptance of the payment. All this is to say that they simply want me to demonstrate that I made a student loan payment from my bank account. However, for the payments in question, there are no existing bank statements because these payments that I made to Navient are over 7 years old. According to XXXX XXXXmy personal bank from which these payments were withdrawnthey do not keep bank statements over 7 years old pursuant to federal law. After working tooth-and-nail with XXXX to otherwise obtain these statements, it was clear that the statements do not exist. 

That said, the reimbursing party advised me to find another source of this information, so I called Navient. And indeed, I was advised by Navient that Navient has this information on its end ; this information is not available on my end. To acquire this information, I submitted XXXX requests over 2 months ( XXXX and XX/XX/2023 ) to have produced a more detailed payment history with the bank account information but was ultimately told on my 4th phone call ( dated XX/XX/2023 ) that it is Navients policy to not disclose such information. After going back-and-forth during the 4th phone call, the worker from Navient with whom I spoke instructed me on my options. He advised that I could mail a hardcopy request ( which he admitted would likely be futile ) and/or initiate legal process, i.e., a subpoena. I think it is perfectly ridiculous that I would have to undertake legal process to simply obtain bank account information for payments that I made to a student loan servicer. 

The worker with whom I spoke at Navient during the 4th phone call advised me that the main issue is the risk that a writing with the bank account information will be lost, intercepted, or otherwise possessed by a third party, thereby rendering Navient liable. I made it demonstrably clear how absurd this policy was, given that another Navient worker had advised me orally over the phone which bank account the payments were withdrawn from and that Navient could simply send the information over a secure email or through my account portal. 

That is the gist of my complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had a fraudulent transaction on my capital one credit card for {$960.00} USD which happened on XX/XX/2022. This happened while I was on vacation in XXXX and I don't know how my chip was used for this transaction. 

It went back and forth with capital one on opening up dispute and them closing out the dispute. I tried disputing with capital one several times from XXXX but they were just eager to close the complaint. They were able to get the transaction receipt document to me and I did not recognize the {$18000.00} XXXX {$960.00} USD. 

Along with the transaction receipt, Capital one had also asked me to write a statement stating that I did not receive the goods and services and I did that exactly. Along with my statement, I had also sent out my current and previous Drivers License pictures so that they could verify my signature and see that it was a fraudulent transaction with a fraudulent signature. 

I had also looked up the merchant online and there was not even a phone number associated with the merchant. The merchant seems to be a fraud/ scam as there is no information about the merchant on the internet or a phone number. I am being repeatedly told that capital one can not do anything since chip was used and that I need to contact the merchant directly to resolve the issue. 

I have attached the latest communication from Capital one in XXXX and XXXX. There was also communication prior to the one 's attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i reached out to XXXX  for clarification of documentation needed to be given to me to see what and why this debt is owed to lvnv funding, I asked on XX/XX/2023 to be provided with PROOF OF OWNERSHIP, I DEMAND PROOF THAT I OWE THE DEBT TO LVNV Funding? contract, a terms and condition agreement. I have not received anything at all. this, I am still waiting for the actual bill of sale and the purchase agreement where it states what and how much was the actual purchase for from whom to whom and to LVNV funding. All bill of sales from all parties involved..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a hotel, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX, on XXXX on XXXX XXXX for XXXX XXXX, XXXX  using my PayPal Synchrony Bank Mastercard. An amount of {$130.00}. 

Upon arrival, I discovered the room to be completely uninhabitable : XXXX. Cigarette burns on sheet XXXX. Box spring has bedbugs XXXX. Furniture defaced with graffiti XXXX. Sofa broken and unsafe for sitting XXXX. Deadbolt missing, super-unsafe especially for the bad neighborhood XXXX. Door had hole in it XXXX. Toilet was clogged and full of XXXX After discovering this, I decided not to stay the night, because it was unsafe, unsanitary, and completely unlivable. 

I did not stay in the hotel at all. 

I asked for a full refund from the hotel on the very same night of check-in, as well as from the booking site ( XXXX ), but I was denied for a refund, despite never staying. 

I filed a chargeback, and despite my documented evidence ( photos, emails, receipts, etc. ), the bank sided with the merchant. 

I want CFPB to investigate this case for me, 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 monetary relief
Consumer complaint received 2023-11-22
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have provide with Document should be sufficient to investigate MRS Offer to Settle the Account i have sent a copy of the contract payment record and loan information and before the final payment scheduled for XX/XX/30 in the amount of XXXX I notice that the Account was transfer Back to XXXX all payments have been made as agreed MRS have fail to complete the Settlement agreement and i have provide with all evidence needed Thank you. XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
on XX/XX/XXXX i contacted XXXX XXXX. out of XXXX XXXX to provide me with XXXX  dollar loan. they did send me XXXX that night and my flip phone indicated i had XXXX extra in my account. my available balance said i had XXXX plus i my small balance. the scammers said that money was theres and i had to return it to them if i tried to keep it, they would contact the local police dept. and have me arrested for attempted fraud charges. so i asked how to return it and they mentioned i had to buy gift cards. i knew buying gift cards was a flag, but the money was in my account and the bank said it was available. so i did it. long story short, the bank showed me three checks, XXXX and XXXX pay to the order of XXXX XXXX XXXX and was endorsed by XXXX XXXX, not my legal financial name. i told the bank that the person sending the bank those 3 checks were commiting fraud because those checks were not mine, nor endorsed by me. the bank said that didnt matter, ouch! in todays modern computer technolgy signature endorsements did not matter. double ouch, a new on me.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My problem is XXXX, XXXX Experian. They are putting a name on my credit report that's not mine. My name is XXXX XXXX, not XXXX XXXX. They're saying that XXXX XXXX is accurate. That's not my name. I sent them my Driver 's license with my name on it. That's identifying me. But they're refusing to correct it. I want it to be Immediately removed and corrected on my credit report. I want my true name on my report and no other name that's not mine. I also want to be compensated for this dispute. Because I'm trying to get a mortgage and it's causing me problems to do so. I want to be compensated {$1000.00} for there disregard of my credit report and my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: CCF Intermediate Holdings LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I had opened a line of credit with First Virginia ( XXXX XXXX XXXX XXXX, VA XXXX ) a CCF Holdings LLC Company ( XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ) subsidiary, and was doing business with the previously mentioned company for serval months prior, until without notice on XX/XX/2023 the Company ( CCF Holdings LLC ) committed fraud and took an unauthorized payment of XXXX out of my business savings account. At no point in time did I Authorize and/or gave them the information to access my Business Savings account ; this action should have never occurred. I Reported this fraud and Improper Financial transaction to my Business financial institution ( XXXX XXXX XXXX ) once I was aware, and an investigation was conducted and concluded on XX/XX/2023. CCF Holdings LLC was found in the wrong and funds were returned to my account ; unfortunately, there were other issues caused by this transition resulting in a monetary loss and a decline in creditworthiness from other lenders. An estimate of XXXX in damages I feel would compensate for this egregious attack and improper collections action taken upon me and my business.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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