BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: SC
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Aqua Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I obtained this loan to construct a pool at my home. We only had this loan for a couple months before the home was sold and the loan was paid off. The title company who performed the closing contacted Aqua Finance and obtained the ten day payoff. The payoff was mailed, overnight mail within the ten days. When they received the payoff, they stated it was {$160.00} short and began harassing us for the difference. This account was paid off more than 9 years in advance and now they are reporting I was more than 90 days late on my payment. We paid them the additional money even though we did not agree with it and when I contact them and ask them to remove the late payments from my credit report, they are extremely rude and always tell me that I cost them money because I paid the loan off early. I believe that I am being punished both by the additional money I had to pay and the derogatory mark on my credit report because we paid them off early. Before we paid the additional money, I was getting almost constant calls and emails harassing me for the money. They were even calling my childrens ' phones. According to my review search of them, this is a common practice of Aqua Finance. We had no choice but to pay them the additional amount owed to stop the constant harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Account # XXXX, XXXX XXXX XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-05-10
Company: Experian Information Solutions Inc.
State: WV
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 2008, I bought a time share with XXXX XXXX XXXX in XXXX, Fl. I paid off the time share. They invited me down and sold me an " ungrade, '' saying I had several days to cancel the deal. I sent a certified letter to cancel the deal. They refused the letter. They turned me over to collections. I agreed to return their deed in lieu of foreclosure. They were supposed to clear my credit report. To this day, seven years later, their negative report is still on my credit report. I feel they defrauded me, taking my paid off time share and refusing to cancel an up-grade deal. I want this off my credit report.

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 2023-01-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased and XXXX XXXX XXXX inch described as new and came with a DVD Player from XXXX with my Synchrony XXXX XXXX. But when I tried to use the laptop, it was neither new nor had a DVD Player. I have been disputing it for months now, with the seller, with XXXX and last dispute was with Synchrony Bank. Neither of them responded except the seller apologized and offered me {$25.00}. I'm a senior and can afford to lose this kind of money and the amount is {$490.00}. It's been several months now, but instead Synchrony Bank reduces my credit limits due to misunderstandings with my credit score that I'm working on fixing with the help of XXXX. When my credit score was XXXX, I was subjected to IHSS Gubernatorial Tort for 3 months, illegally with no payments. I'm working on an appeal with them. But then Synchrony bank sends me a letter today with no questions asked, reducing my limit. I've been a loyal customer with XXXX for over 20 years, but because this month 's payment failed synchrony bank is assuming I did not make the payment. In fact, when I spoke to XXXX, he understood that I had made the payment but because my checking account number changed, Synchrony Bank rejected the payment. I then today, immediately called Synchrony Bank and made the payment immediately with my XXXX XXXX XXXX XXXX  linked to my new account, but it's the same debit card I've had, it did not change. I explained to him that I did not get the checks until weeks later, but when XXXX XXXX gave me the new account number it was missing one number. 
So instead, Synchrony Bank sends me a letter reducing my credit limit, without advance explanation or questions, accessing my credit bureaus without my knowledge or authorization. If they had asked me first what has been going on, I would've explained it. Since, I'm still the same reputable creditor I was when I had a XXXX score. They took action without considering my over XXXX loyalty record with them! Please help me. It's all misunderstandings, due to circumstances beyond my control. In fact, the very thing they are disqualifying me about is the very thing theyre making worst by lowering my limits, affecting my credit score. I dont understand why entities complaint about something theyre the ones making it worse! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: MD
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:
XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX n 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: ALASKA USA FEDERAL CREDIT UNION
State: AK
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:
For several months my account was being charged and wasn't aware because I didn't have funds and overdraft fees came up to XXXX and they wouldn't give a fair amount to pay back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Had a vehicle loan through Wells Fargo Bank in 2011. Car was repossessed only being behind XXXX dollars on a payment. Lost my job as a result due to no transportation to and from work

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 2020-03-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I initiated a credit freeze with Experian following their data breach several months ago, and received a security pin that I was told to keep secure and to use when unfreezing my credit. 

Today, I called Experian to unfreeze my credit. An automated system asked for my social security number, the numerical digits of my address, and a cell phone number where they could send a PIN. 

After entering the pin, I was sent to an associate who immediately unfroze my credit. No additional security questions asked : no security pin, no security questions, no verification of my identity ; nothing. This is a clear breach. 

The implication is that because of a clear lack of necessary controls, anyone could unfreeze my credit at any time, so long as they know my social security number and address. Unfortunately, due to the XXXX breach, I now consider this information " public '' information. 

This is extraordinarily dangerous and Experian should not be trusted to securely protect consumers from fraud or identity theft that they themselves enabled to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter dated XX/XX/XXXX from Linebarger Goggan Blair & Sampson LLP stating that I owed {$500.00} for unpaid parking tickets in the City of XXXX. The dates on the tickets are : XX/XX/XXXX - XX/XX/XXXX. 

The letter threatens garnishing my wages and bank accounts, and filing a lien against my property. 

I called the Linebarger and explained that the tickets were paid at the time they were incurred. I have lived in XXXX or nearby for more than 30 years, and I ALWAYS paid all my tickets in order to avoid hassles such as having my car booted, etc. Linebarger 's agent asked me for records proving that I paid. By checking account only keeps 7 years of statements, and my records do not go back 20 years, so of course I have no proof at this point. Then she said there was nothing she could do. 

If this money were actually owed, why was I never contacted by anyone from the City of XXXX, nor from any debt collector, until now? This belies belief, and it doesn't add up. Either Linebarger has gotten some bad data, or mis-interpreted that data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Conn's, 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:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: NC
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:
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. 

Account Name : Account Number : Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX ================================ UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of 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 explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the rights 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.

This is not my account I asked for the bill and was sent a bill with someone else 's name this is not my bill and needs to be removed from my report. I've attached the bill to this complaint.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: NJ
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:
To Whom It May Concern, I am writing to assert my formal dispute concerning the dissemination of inaccurate information to Experian, subsequently appearing on my credit report. The impugned information pertains to an individual bearing the identical name, XXXX XXXX. It is imperative to elucidate that this association does not accurately correspond to my legal identity, and I unequivocally disavow any affiliation with the appellation XXXX XXXX. My disavowal is substantiated through the rigorous verification of my legal identity via official documents, including, but not limited to, my valid driver 's license, unimpeachable birth certificate, and authenticated social security card. These irrefutable documents collectively corroborate my legal nomenclature as not being XXXX XXXX. This egregious inconsistency contravenes the stipulations of the Fair Credit Reporting Act ( FCRA ). 
The erroneous entries subject to this dispute are delineated as follows : Account Name : XXXX XXXX Account Number : XXXX Pursuant to the FCRA, and more specifically 15 U.S. Code 1681e, it is unequivocally enunciated that " no person shall ... 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 '' ( 15 U.S.C. 1681e ( e ) ). It is palpable that the information concomitant to the aforementioned accounts is patently inaccurate and manifestly incongruent with my authentic financial profile. 
I stand prepared and willing to facilitate the prompt resolution of this grievance by providing verification of my identity through a secure and established channel. However, I must emphatically assert my reluctance to disseminate, electronically or otherwise, confidential documents containing my personal identity due to well-founded concerns regarding privacy and information security. This issue carries considerable gravity as it has given rise to an onerous predicament in which my credit report accommodates extraneous entries that hold no nexus with my financial history. This incongruity has precipitated not only severe pecuniary ramifications but has also precipitated impediments in securing approvals for essential financial endeavors, notably my aspiration to procure a residence. 
It is incumbent upon me to accentuate that should the aforesaid discrepancy persist unabated, I shall be compelled to assert my rights as a consumer with resolute determination. I am fully cognizant of the statutory prerogatives that enshrine my entitlement to an accurate and unblemished credit report, and I shall not hesitate to avail myself of the remedies and recourses at my disposal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer from US Bank Flex Perks Visa indicating that I could use the check enclosed and while I would be charged a 3 % of amount initial charge there would be 0 % interest charged on the amount of the check if paid off before 18 months had elasped. 

I also used the card to purchase other items. It turns out that they will not allow me to pay for the other additional items, but all payments go to the promotional amount until it is paid off. In the mean time they charge me 21 % interest on the purchased items. 

This is classical bait and switch if I have ever seen one. They should be required to live up to the promised advertizement and make seperate payments for the promotional amount and purchased items. 

As it stands, until the initial promotional loan is paid, I will be charged interest on the purchases and in my phone call with them they admitted that there isn't any way for me to pay for purchases each month seperately. 

This is false and misleading and needs to be corrected.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-20
Company: EQUIFAX, INC.
State: SC
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  Account # XXXX, XXXX XXXX  Account # XXXX, US DEPT ED Account XXXX XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX XXXX Account # XXXX , XXXX XXXX XXXX Account # XXXX, Account XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation