BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a personal loan account for airline ticket purchase in XX/XX/2023. XXXX company is the lender. My payments were accurate and always on time. From XX/XX/2023 company blocked my online access, hindering me to pay off my balance. I called them for maikng phone payment, was denied assistance. They escalated my account to collection in retaliation due to my complaint-demands to fix my account online portal system glitches and/or accept my payment over the phone. I was denied communications, never got callbacks or replies to my emails. This lender committed serious banking laws violations, banking discrimination and predatory lending. Attached is a proof of what problems I faced and continue to face up to date. My credit score was crushed fraudulently. I need your help to enforce the laws and intervent in this problem. The XXXX company has lengthy history of violations and bad reviews by similarly victimized customers. Review the XXXX Website and online platform, to better understand teh magnitude of their violations. This Lender must be investigated and audited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: TD BANK US HOLDING COMPANY
State: IL
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:
XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has submitted fraudulent checks to withdraw funds from my checking account on two occasions. Funds were sent to TD Bank. The transaction is difficult to stop without closing the checking account due to XXXX XXXX XXXX having my account number. 

A phone number on the fraudulent check provides no resolution option, simply hanging up on the called ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Aargon Agency, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account on my credit report from XXXX that does not belong to 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
Consumer complaint received 2023-03-08
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
In XXXX of 2022 I entered into a lease with Tesla Financial. Since then, I had a temporary plate and NEVER received registration or my license plates. Tesla is not responding at all and I've been given the run around over the past year. In summary, I can not use the vehicle, furthermore, even not using the vehicle, I have been ticketed for just parking the car outside my house with plates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I purchased two water heaters for installation by Lowe 's Home Centers on XX/XX/19. Listed below are my concerns that Lowe 's has not corrected : 1. Water heaters delivered face down in truck. Manufacturers .guidelines on box state that water heaters are never to be laid down.

2. Rusted T valve used to connect two brand new water heaters. I asked the installer to use a new one but he refused. Wood blocks were used to hold up this T valve. According to the manufacturer no combustible materials are to be used next to a gas water heater.

3. Lowe 's sent out two bent up pans to be used for the installation, but installer had to go out and buy two new pans that were not what the manufacturer recommended.

4. Vent Pipe to ceiling and roof has a hole that should not be and should have been adjusted 5. I sent in a rebate form that was printed out at the time of purchase and mailed it in during the time specified in order to get the rebate. Lowe 's installed sales manager cancelled this receipt on my credit card without my permission. It was rebilled after the dates to qualify for the rebate. I have asked Lowe 's to comply with the terms of the rebate offer and give me the Lowe 's credit card I am due. They do not want to comply with the terms of the offer.

6. I have requested an original copy of the adjusted receipt but have not received it. Since this affects my credit card I have a right to receive the original adjusted receipt.

7. The company Lowe 's hired to install the two water heaters should have pulled a permit before the work was started. They pulled a permit 5 days after they installed it. When I called the permit company I found out this company did not have a valid license on file and that there insurance was not current.

8. Installed sales manager told me recently that she was writing a work order for the company XXXX XXXX to come back out and make corrections but she has told me that they are now refusing to come back out to make corrections.

9. I found out after purchase of these two water heaters that the manufacturer has had problems with their gas water heaters and many have been recalled. Lowe 's did not tell me 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 explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Money transferred using moneygram website, with help of their partners, XXXX XXXX XXXX, in XXXX to transfer money from XXXX AUS ( Australian dollars ) to XXXX ( XXXX  pounds ), on XX/XX/2023. Entered XXXX bank account number in receiver information, as per representer from partner advised, as cash option was not available to choose from on website. 

Money was not accessible from XXXX XXXX XXXX, after transaction made. Error message ( attached ) advising transaction exceeds limits. Receiver visited few branches of same bank, banks confirming that they can not give cash in XXXX  pounds, as per their agreement with moneygram, hence that error comes up. Eventhough, transaction went ahead, accepting this currency. 

Sender ( myself ) complained few times to moneygram.Last outcome of case number XXXX XXXX, rejecting my refund request as money received by partners, eventhough, unaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: MS
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 DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, 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, Everything has to be 100 % accurate on my credit report. These actions violated my rights. 

ACCOUNT - XXXX # 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 an account without my written instructions. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2023-09-02
Company: Experian Information Solutions Inc.
State: PA
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:
This is a Request per Title 15 USC 1681i Request for description of Procedures used to Determine Accuracy and Completteness of information verified that I disputed XX/XX/2023 via CFPB Complaint database # XXXX and they were verified XX/XX/2023. 

Please provide evidence of your reasonable procedures that you used to come to such conclusion that this information is verified. 

Who did you talk to? 
When did you talk to them? 

Please give me the names of individuals that you spoke with.

Please provide their addresses and telephone numbers in accord with FCRA Title 15 1681i Description of Reinvestigstion Procedure ( 6 ) ( B ) ( iii ).

I disputed regarding my Privacy Rights being violated under 15 US Code 6802 The Gramm Leach Billey Actt ( GLBA ) which states a federally protected consumer like myself should be given clear and conspicuous disclosure regarding NOTICE that I have a right to Opt Out or Opt In to credit reporting before my non public personal information is disseminated to non affiliated third parties.

Additionally, the LAW also states I have to give PERMISSION before my non public personal information is transported to consumer reporting agencies etc.

I gave no one at anytime PERMISSION!!

Please provide your procedure leading up to these accounts being verified These companies are financial institutions as defined under Section 1843 ( k ) of title 12. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, Everything has to be 100 % accurate on my credit report. These actions violated my rights. 

ACCOUNT - XXXX # 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 an account without my written instructions. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different.

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 2023-02-28
Company: Self Financial Inc.
State: AL
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:
XX/XX/2021 Self Financial Inc/ Lea XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a 30-59 days late payment but the account was PAID IN FULL. I acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. 

It would assist me tremendously if you could make a goodwill adjustment that removes the negative payment entry from my three credit bureaus reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/2023, the financial institution performed an adverse action against me and my consumer credit account by closing account stating with ambiguity we are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement thereby converting the consumer account into a bill of attainder. The communication further states, you are still responsible for paying the full amount of any remaining account balance and youll continue to receive billing statements until the balance reaches XXXX. 
Averment to No. 11. I am not possessed of any issue of law or fact where such statement, action, performance, denial, adverse action, or occurrence does not violate the laws of the United States and the laws of the State of Florida. Samewise, I believe no issue of law or fact exist. 


I have sent multiple correspondence to XXXX XXXX of Capital One, XXXX XXXX of Capital One and Capital One 's registered agent for proper service yet have received no response or remedy to date. 

I have had multiple adverse actions taken against me by Capital One ever since I exercised my consumer rights. 

This is a continued breach of contract and a breach of fiduciary duty pursuant to the Uniform Commercial Code. 

See attached documents for further information/instructions. 

Thank you, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX, I received an email confirmation from Navient that they had received my income based repayment application. I received another email from Navient on XX/XX/XXXX confirming that my income based repayment had been approved. OnXX/XX/XXXX, I received an email from Navient regarding auto debit payments. My monthly payments were increasing to {$290.00} from {$28.00}. The document stated to make sure to apply for income based repayment or my payment will be XXXX. I emailed Navient on XX/XX/XXXX stating that my IBR application was approved onXX/XX/XXXXand my new repayment plan did not reflect an income based repayment. I asked for my income based repayment plan. OnXX/XX/XXXX, I received a monthly bill for XXXX. I still have not received my income based repayment plan and now I have been provided a bill not reflecting an income based repayment. I sent another email asking when I would receive my income based repayment plan.

Company response to consumer: Closed with explanation