BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint against BECU for Unjust CPI Charge Dear Sir/Madam, I am writing to file a complaint against BECU regarding their unfair imposition of a CPI charge on my Auto Loan XXXX. I believe that their actions are not only unjust but also highlight a lack of due diligence and responsibility towards their customers. 

Firstly, BECU failed to update my address correctly, leading to me not being informed about the additional insurance requirement. As a result, a CPI charge was added to my account. BECU denies responsibility for this oversight and has added {$10000.00} to my auto loan principal balance without proper notification. 

In a recorded conversation with BECU representative, XXXX, she admitted that BECU did not verify the required documentation before issuing my auto loan. This negligence has resulted in a 40 % increase in my monthly auto loan payments, causing significant financial strain. BECU has demonstrated an unwillingness to work with customers and address these issues. 

Even after providing proof of insurance to BECU, they have refused to refund the unwarranted CPI charge. I believe their actions are not in accordance with fair banking practices and require immediate attention from the Consumer Financial Protection Bureau. 

I request your assistance in investigating this matter and ensuring that BECU takes appropriate steps to rectify the situation, remove the unjust CPI charge, and adjust my auto loan balance accordingly. I appreciate your prompt attention to this matter and look forward to a fair resolution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am the consumer writing and there is no third party involvedXXXX XXXX XXXX a debt are reporting inaccurate information to the national consumer reporting agencies to coerce payment. The FDCPA was passed to eliminate abusive, deceptive, and unfair debt collection practices. According to my records, I do not recall giving XXXX XXXX XXXX a debt any prior consent to communicate with me aboutanymatter.Was I even given a choice to hold an account with XXXX XXXX XXXX a debt? How do I owe XXXX XXXX XXXX? How was this verified? XXXX XXXX XXXX and XXXX and Experian ignored my recent disputes and never provided sufficient evidence because this can not be verified. 
Experian send an automated response without even investigating which violated the FCRA. Fraud is wrongful or criminal deception intended to resultin financial or personal gain. And that is exactly what XXXX XXXX XXXX, Experian, and XXXX are, a fraud.In additionto that, furnishing this alleged debt to the national reporting agencies to coerce payment violates 15 USC 1692d ( 4 ). 
XXXX was not habitable. And do I not have a right to PRIVACY? Why was I never given the option to opt out of this reporting? Why was I never given an option to opt out of an account with XXXX? In other words, this sounds like account LACKS FULL DISCLOSURE, AND ADEQUATE CONSIDERATION! 

I never agreed to any terms with XXXX XXXX XXXX, THEY WERE FORCED ON ME. 
There was no working AC for MONTHS, water leaks, pest were NOT CONTROLLED and I refuse to pay this debt.Prove tome how this extension of credit with XXXX even became a debt with XXXX. Please send a complete audit trail with accounting history evidencing added charges, and payments made since I have never even seen it.I wish to deal with this matter only in writing.NCS must cease all communications engaging any conduct to harass, oppress me in connection with collection of a debt, except by US Postal mail to inform me thatcollection activities are being stopped. In accordance with 15 USC 1692c ( c ), I refuse to pay this debt. To be clear, Communication means reporting of an alleged debt to XXXX. Communication under the FDCPA means The convenience of information regarding a debt, directly or indirectly to any person through any medium. I demand this tradeline bedeleted from all national consumer reporting agencies as it is preventing me from obtaining a car and house for myfamily. Not to mention, the mental anguish that comes with it not being able to provide for my family.I am writing to claim all rights, titles and interest on the subject matter. This will be my 3rd time attempting to rectify this matter. I would appreciate your timely response as I am falling harder and harder on already hard times. 
Warm regards, 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 2021-10-27
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:
MY NAME IS XXXX XXXX MY DATE OF BIRTH IS XX/XX/XXXX AND TODAYS DATE IS XX/XX/XXXX am filing this complaint myself without any help of a attorney or credit agent I'M WRITING THIS COMPLAINT BECAUSE I previously notified Equifax that I am a victim of identity theft, and requested that Equifax Close the unauthorized account AND Take steps to remove information about this fraudulent account from my credit files AND BLOCK IT FROM RE REPORTING I SENT IN A COPY OF MY FTC REPORT WITH MY POLICE REPORT ( 103 true Identity theft ) I'm a member of the Equifax data breach & have filed my claims accordingly i have been attempting to clear my credit report of these fraudulent items XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XXXX XXXX, XXXX IVE BEEN CONTACTING Equifax SINCE XXXX THEY HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS MATTER These fraudulent debt is hindering my ability to apply for credit or even get a first time credit for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I got a notification from capital one that I have {$4800.00} available for withdrawal in my account following the notification I transfer those funds into my other capital one savings account. Then i received an email this morning that there is some unusual activities on my checking account where I received the initial amount of {$4800.00} in the first place. and when I tried to open and access my checking and saving account accounts I saw both account were restricted by capital one and my checking account went from XXXX to - {$4800.00}. I called the capital one on the number they have provided me XXXX with Ref:XXXX they keep giving me a run around and hanging up on me instead of helping me resolve this issue while at the same time the negative balance capital one is trying to charge interest on that account while I was asking them to simply take the balance from saving account that I withdrew when I first received the notification of available funds and deposit back to checking account but they are not helping me to do so. They are asking for my wife 's information as according to them the amount that came in was under her name. All the information that me and my wife are giving to them they are denying that it is us. My question to them is if once the amount was issued on my account there was processing time for them to verify if the coming fund from the account where is coming from is genuine or not as according to them it came from a closed account. They processed it saying it's available for me to withdraw and now that close account did the reversal on my account in the same amount and they gave the money back to them putting my account into a negative amount of - {$4800.00}. Instead of doing investigation on this fraud they release the funds to the scammer and jeopardize my account into a negative balance and now asking me for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: MI
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:
I have had trouble with address reporting and cant seem to get Equifax to update my address.This is the third major address issue I have had with addresses. I contacted Equifax several times by mail and phone!! Unless this is a fake report- I have not been able to get an accurate report!! Also my address I put in letter was not updated! Instead the old address is listed as current. People rarely move into the same unit and exact apartment they lived in a year ago ... I gave my physical address and my mailing address as my XXXX XXXX XXXX Just about all of the report dates are inaccurate meaning I wasnt at those addresses those years!!! Actually my new address is not even listed?? How did this happen?? Also over phone they told me XXXX had me at loans close to XXXX. I told them to dispute it!!! It says dept of Ed loans sold on report also something is not right ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 16 USC 1681. 

I told the Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX However, they stated that everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that is not reporting correctly, 15 USC 1681 section 602 A. states I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. 

Also, they are not in compliance with metro 2 credit reporting.

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 2021-01-10
Company: EQUIFAX, INC.
State: CA
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 called to dispute fraudulent inquiries on my credit report. Equifax refuses to remove them and they are telling me to contact 24 companies myself. When I asked where does that say so in the fair credit reporting act, the representative hung up in my face. This is not the first time that equifax has done this and gotten away with such negligence. They are trying to avoid their duties of upholding the laws that were put in place to protect consumers against fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CCS Financial Services, 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:
I reviewed my credit report and noticed an account from a creditor I have never done business nor authorized to report on my consumer report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I went to the denist on XX/XX/XXXX and charged XXXX to my care credit. I have had this card for a couple years. I guess it was a promotional purchase and I had XXXX  years to pay off. I did not know that. On XX/XX/XXXX I made my payment and I don't see anything. On XXXX payment comes around I notice an interest charge for XXXX. 
I called and they said I owed XXXX on my promotional purchase and I was XXXX day out of the grace period. I was charged XXXX percent interest on the XXXX each year. 
The representative went on to tell me I have to call and tell them to add my money on what promotional purchase I have. I was not aware I even had promotional purchase. I thought it was all standard. Why does care credit have autopay, online pay, and automated system to pay if you have to call and tell them where your payment should go.. I never got any email stating I have XXXX dollars to pay by XX/XX/XXXX or I would have to pay XXXX dollars. I feel taken advantage of! I thought the promotional purchases were just when I opened the card up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX,, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Beginning in XX/XX/XXXX I began disputing incorrect information contained in my personal consumer credit report and after several investigations the errors still exist on my credit report. There are numerous errors on my credit report regarding old accounts that have had multiple dates changed and re-aged in order for the accounts to maintain on my consumer credit report. 

Although many accounts have been re-aged to stay on my credit reports an account that was reported by XXXX XXXX/XXXX that was opened on XXXX XXXX and officially closed on XX/XX/XXXX has not been re-aged or has any of the dates changed but the account remains on my credit report being reported by XXXX even though the account was closed over 11 years ago. 

Several accounts have had multiple payment dates and closed dates changed in order for the accounts to stay on my credit report. The accounts that have been re-aged to continue to exist on my consumer credit reports include the account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed on XX/XX/XXXX but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX XXXX XXXX opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XXXX XXXX. The account being reported by XXXX/ XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. 

I believe these accounts have been adversely affecting my credit for over 11 years and my attempts to resolve the issues by filing multiple disputes have not corrected the numerous errors that continue to exist in my consumer credit reports.

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 2022-09-12
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-10-27
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:
My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, Al XXXX for over 10 years. Never have I lived in XXXX XXXX. I believe this is fraud from a family member. Please see idenity theft report. Enclosed and my Alabama drivers license. Please remove XXXX / XXXX XXXX This is not my Debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was removed off my report due to identity theft XXXX continues to report this after I sent over multiple verification letters and identity theft reports XXXX took this off my credit now put it back on

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 2023-01-01
Company: Experian Information Solutions 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:
This debt collector ( cavalry portfolio service ) and experian is in violation of 15 usc 1681 section 602 A, states i have the right to privacy.also section 604 A, also states consumer reporting agency ( experian ) can not furnish my credit report without my written instructions.gave no such instructions to experian are XXXX XXXX XXXX.also in violation of 15 usc 1692 c and b.i gave no prior Consent to experian are XXXX XXXX service to furnish my personal information to anyone.also on XXXX experian dispute department would. not let me fill dispute on this matter, saying dispute was already submitted.i dont recalled doing so was not 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 explanation