BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1

5 USC 1681. The letters are stated with items and issues. 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 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 2023-06-24
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Wells Fargo, according to the attached document, provides different level of service to consumers based on the type of the phone service that consumers receive. 

From the attached letter it is clear that Wells Fargo requires customers to subscribe to expensive telephone service in order to receive certain credit card services from Wells Fargo. There is no information neither on Wells Fargo website, nor in the attached letter, nor in any of the Wells Fargo marketing materials, what type of telephone service and from which companies the customers must have in order to receive all services from Wells Fargo credit card advertised to the public. 

There are classes of consumers that for various reasons, such as living in a specific geographic areas, who can not obtain telephone services from companies that Wells Fargo had partnered with. The Wells Fargo policy has desperate impact on those classes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The only address should be reported on my consumer report should state. 

XXXX XXXX XXXX XXXX XXXX XXXX The only name reported on my consumer report should be stated. 

XXXX XXXX XXXX The only phone number reported on my consumer report is XXXX any other names or address and phone should be removed.

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 2023-06-18
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 2024-01-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Every time I use my car, they lock my account. I have two jobs. Im a XXXX  in XXXX XXXX XXXX in a XXXX XXXX XXXX  as well. I dont have time to be upload my ID five times a day. They wont let me use my card. Ive already verified my XXXX multiple times and everything they asked and I still unlock my account or let me close it and two other account I had with him randomly got clothes in balance is paid off. They said it was fraud who would close my account and pay my credit card off my own checking account I just make sense. Definitely foul play

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 2024-01-03
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an account with Synchrony Bank for a XXXX XXXX card. I have had this card for several years now and it's incredibly difficult to pay bills on time as the website is ( without fail ) down at the beginning of every month, and at various points throughout the following weeks. I have tried on different days, at different times of the day, hundreds of times. The ONLY way I could pay my bill was to call and wait on hold. That's fine, I have the time and the flexibility to do that, but not everyone does. 
If online payment is given as an option, I believe that option should be available consistently. 

I believe this is a ploy by Synchrony to disallow on time payments, thereby increasing interest and fees. It's gross.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Financiera Campeon, LLC dba Champion Equipment Finance
State: TX
Product: Credit reporting 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 loan using a agent or broker XXXX XXXX email XXXX XXXX FINANCIERA CAMPEON LLC DBA CHAMPION EQUIPMENT FINANCE located at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX to find me a lender who finances commercial vehicles. They sent me an application that I filled out and submitted approving a credit inquiry. My credit was pulled and I was notified by the three major credit agencies XXXX, XXXX, and XXXX. That was expected as I approved the application. The agent did not notify me that the lenders he was working with declined my application after over two weeks of underwriters reviewing my application. On his own or with the authorization of his superiors he used my sensitive information that I submitted to them electronically with my initial application and submitted a new application for credit several weeks later to a new lender without my knowledge or consent for no other reason that I can think of other than to attempt to secure his commission if the new fraudulent application was approved. I would not have approved of another credit hard pull so soon had I been notified and given the suggestion to try another lender. My credit has now been adversely affected with the new inquiries and I am currently in the process of trying to get it removed but these cases take much time of back and forth and is very inconvenient. I was forced to subscribe to credit lock from all three credit agencies.

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 2023-01-24
Company: EQUIFAX, INC.
State: NC
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 is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting 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:
There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. 
( 1 ) Capital One ... hard inquiry on XX/XX/XXXX XXXX XXXX ( 2 ) Capital One ... hard inquiry on XX/XX/XXXX  There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax, Please remove the security block that is on my account- a letter, my drivers license, and social security card are attached to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
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: Information belongs to someone else

Complaint:
The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-12
Company: Bread Financial Holdings, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First off, I tried to close my XXXX XXXX Account because of the terrible service and screwy billing, I also could NEVER access my account online due to a software issue on their end, so I could never use my bill pay directly to them. Well, after months of this XXXX I just called to close my account, The customer service agent I spoke to gave me a payoff amount to close the account, I asked if this was all inclusive amount? ( fee 's, interest, balance, everything ) I was assured it was. So I paid the amount and was glad to be rid of this XXXX credit card ... .little did I know that this was just the beginning, two weeks I get an email telling me the I still owed {$37.00}?! I contacted the customer service dept. and was told that a late fee was added onto the account, I told them I had spoken to the service rep and received a TOTAL PAYOFF amount so what was this XXXX? " Well Sir, the payoff was made two days after our billing cycle so this amount was added two weeks later '' and because I closed the account they would not remove the late fee even though they reviewed the phone call to the service rep and agreed that I was " misinformed '' by the rep. " However Sir, there is nothing we can do to remove this fee ''. Because I closed this account this was their last chance to rip me off one last time. So what? I hire a law firm for {$38.00} bill due? or do I just tell everyone to NEVER GET A WOMEN WITHIN Credit Card. Even when youre right, this company will XXXX you over {$38.00} bucks just to pad their wallets. I would give them a minus Star if I could.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: Exeter Finance Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I financed my XXXX XXXX XXXX with Exeter in XX/XX/XXXX when I bought the vehicle. 
My car was totaled in a hit & run, Monday XXXX. I immediately started my insurance claim process, and it is required that I send a Full payment history from my finance company ( Exeter Finance ) to finish filing my claim. I have called Exeter over 5 times, and spoke with 5 different representatives to have my document both emailed and faxed to me, multiple times. I never received the document. I have been emailing and calling them for over two weeks now and still do not have the document I requested. 

I am now still waiting to finish filing my claim and it is causing me major problems while I am without a car. Exeter is starting to make me think they are purposely prolonging sending me my document to keep getting money from me! I find it hard to believe they would do this but I am extremely frustrated that the payment history STILL has NOT been sent. I need them to email me back! I have sent over 10 emails with no response and phone calls are not seeming to work either as NOBODY IS SENDING ME WHAT I NEED. 

I've also asked Exeter for a status update on the {$2000.00} refund sent to them from my car dealership to go towards the balance of my loan. The refund has not been applied to my account yet, I am still waiting on my PDF so I can file my claim, and Exeter WILL NOT respond back to me. I NEED HELP GETTING THEM TO SEND ME MY DOCUMENT PLEASE. I AM VERY CONCERNED WITH THIS SITUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently disputes errors for with my credit report pertain to a charged off account with XXXX XXXX both accounts opened XX/XX/XXXX and XX/XX/XXXX. Charged off accounts should Never be associated with any late payments on top of it a charge off account. 
While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Names XXXX XXXXXXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXX Theses charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item IMMEDIATELY It is illegal according to FCRA section 623 it states that an account can be reported delinquent on the months that it is delayed but once an account is closed it can only reflect charge off or late up to the date that it closed due to this violation the account by law is required to be delete any information including the account from my credit report permanently I previously disputed the same errors with CRA TO INVESTIGATE THE FACTUAL ERRORS ON MY REPORT XXXX XXXX they properly researched the account errors and deleted the account from my file using the the FCRA LAWS THAT WERE VIOLATED BY XXXX XXXX XXXX and XXXX XXXX TransUnion ALL CRA SHOULD BE REFLECTING THE SAME BALANCE PAYMENT HISTORY AND THEY DO NOT OTHER FACTUAL ERRORS VIOLATES FCRA REGULATIONS I HAVE ASKED THE CRA XXXX XXXX TransUnion TO INVESTIGATE violations and THEY FAILED TO COMPLY with Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA XXXX and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I have also filed complaint with the XXXX  AND FTC IN REGARDS TO THE CONSTANT NEGLECT-ION OF MY DISPUTES

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 2022-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX  WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS ACCOUNTS XXXXXXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-22
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX an authorized charge was made from my chime account in the amount of {$40.00}. I was contacted by chime they adivised me to file a dispute, and they immediately sent me a new card. However I never delt with a dispute before I was scared and nervous I felt like maybe my money is not okay. They told me it would take a moment for the dispute because the transaction was not settled. Okay understandable the transaction settled chime never contacted me back. I HAD TO REACH OUT TO CHIME TO FURTHER THE DISPUTE. XXXX days later THEY DECLINED MY REQUEST AND TOLD ME THE HACKER WAS MIMICKING MY ACCOUNT ACTING AS IF THERE ME!!! Okay IF YOUR TELLING ME ITS A SCAMMER WHY HAVENT THEY CREDITED ME MY MONEY? This is UNACCEPTABLE I NEED MY MONEY. Not only THAT XXXX OF THE REPS XXXX  AND TOLD ME I NEED TO SECURE MY ACCOUNT MORE???? This XXXX XXXX

Company response to consumer: Closed with explanation