BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection.

( 2 ) Verification of identity and claim Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victim 's request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was never late on a payment. I paid biweekly for the length of mortgage. The company changed its software and couldnt take bi weekly payments. Monies were still sent in electronically thru my back. The mortgage company went me checks back, then said I was delinquent? This is a mistake on their behalf and it should not reflect on my credit report. This mortgage has been paid in full. In reality the mortgage company owes me the money back from late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a similar complaint I had submitted in regard to this situation with this particular card but this is a new complaint, something different. 
I explained very patiently to this Bank, the issuing bank behind this retail credit card, what had happened with the retailer, both on the phone numerous times with supervisors to no avail and in written complaints. I told them I was disputing the balance until the retailer resolved all of my issues. The retailer promised to credit me and reissue the charges under a new completely revised interest free plan, which they did eventually get around to doing sometime in XXXX. Also, as a part of it, they promised all my late fees would be waived and I would be starting with a new slate. However, it was a long wait and in the interim I was getting hit with late fees and my credit is now ruined. Before they had agreed, I had appealed to TD Bank to dispute the balance and they refused. I have never seen anything like this, where the issuing bank of a credit card refuses to stand by a customer when there is a dispute over a charge. Instead, all they did was continue to pile on the late fee 's compounding my debt. Making it worse. The retailer never had the late fee 's waived as promised. I still have them for XXXX, XXXX and now XXXX. The entire account is a mess and I am not paying this until all these late fee 's are waived. Furthermore, since the retailer promised to straighten this all out, this never should have affected my credit. TD Bank has the power to straighten this all out with the retailer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2022 I sent in a letter to the company ( Experian ) requesting several accounts to be verified, updated or removed that were reporting to my credit file. These accounts are reporting incomplete, inaccurate and unverifiable information. The company refused to properly investigate these debts allegedly belonging to me. They also refused to inform me of the outcome of their investigation. 

This information has negatively impacted my credit report and the company has refused proper investigation, verification and/or removal of these inaccurate 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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am writing to address a concern regarding the extended fraud alert currently placed on my credit report. My name is XXXX XXXX, and I kindly request the prompt removal of this alert. I have enclosed the necessary documents to verify my identity, including my proof of ID, proof of address, and proof of my social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
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: Reporting company used your report improperly

Complaint:
I sent a letter off on XX/XX/2022. Here 's my tracking number XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution isn't suppose to share my information to third party people. 

These are clear violations of my federally consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX a debt collection for XXXX XXXX XXXX was removed from my credit report. However, the same debt reappeared on my credit report on XX/XX/XXXX and effected my credit score in a negative way. I never received a reinsertion letter from Equifax. I have proof of the debt being removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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:
XXXXTHIS IS NOT MY ACCOUNT! I DID NOT AUTHORIZE THIS ACCOUNT TO BE OPEN UNDER MY NAME! 

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX ( XXXX ) and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX ( XXXX ) also said they can't find anything on this account. Please 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 2023-04-13
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: Information belongs to someone else

Complaint:
XXXX Account was created XX/XX/2022, due to identity theft, and as a result it is being reported on my credit report with inaccurate information. Also XXXX and Transunion continue to report this inaccurate information, which is a part of identity theft, Police Report attached

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 2023-01-16
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I entered into a consumer credit transaction with Westlake financial services XX/XX/2021. I extended my credit and authorized a the a promissary note with my name and signature which secured my payment in full through the finance charge. XXXX XXXX XXXX then gave me a repurchase agreement contract and never disclosed they had a security XXXX in my property which is a violation per 15 usc 1692j false and deceptive forms. They then sold my my own loan back to me and charged me XXXX. not only that they are taking cash with credit transactions. I paid a down payment of {$6000.00} and monthly payments of {$320.00} which is a vialtion of my consumer rights per XXXX XXXX code XXXX ( b ). The finance charge is the sum of all charges and It does not include any charge of a type payable in a comparable cash transaction. The cost of consumer credit as a dollar amount per XXXX Finance charge. They never fully disclosed the information to me. Also according to the Ohio attorney general they where supposed to give me my title at the time of sale or within XXXX days of the purchase. Ohio Revised Code ( ORC ) Section 4505.181 and ORC 1345.52. i was never informed I had the right to rescind and this is a violation per 15 is code 1635.. I also sent the a letter of recission and have not got a response back from them.

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 2021-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
3 disputes that the bank ruled in favor of the merchant were not properly investigated and the merchant did not provide documentation to verify the transactions or to verify we received services therefor under FCRA regulations Im requesting the following : 1. ) Individual Receipts from the hotel that verify the charges that occurred on XX/XX/XXXX from XXXX XXXX XXXX - all 3 transactions occurred separately and were charge to my account individually. 
2. ) Copy of Hotel Reservation indicating we received services ( check in ) XX/XX/XXXX - ( check out ) XX/XX/XXXX. 
3. ) My Bank Statement for XXXX XXXX XX/XX/XXXX showing and confirming a balanced owed for - {$440.00}. My account was closed XX/XX/XXXX. So my bank statement for XX/XX/XXXX - XX/XX/XXXX would be my final bank statement which would show a negative balance if I owed. This bank statement would be legally binding and would be an official document that I had a negative balance that I owed seeing that the negative balance reported to check systems occurred 2 days prior to this bank statement for XX/XX/XXXX to XX/XX/XXXX which indicates that their claim of a negative balance existed prior to last bank statement do my last bank statement would reflect this negative balance. 
4. ) documentation from the bank indicating why they reported it to XXXX as Account Abuse. 

This was never presented to me by the XXXX XXXX XXXX or by the Bank. 

I demand under FCRA regulations that if this requested documentation is not received to verify these 3 unauthorized transaction for {$440.00} as requested then I demand under FCRA regulations that they are immediately removed from any and all credit reporting agencies including XXXX. 
I also demand that the CFPD verify this documentation by the bank to verify that FCRA regulation that proper verification exists for the amount of - {$440.00} that has been reported by the bank and that CFPB verify my last bank statement dated XX/XX/XXXX - XX/XX/XXXX to show a balance owed for - {$440.00}. If not and you confirm that my bank statement from XX/XX/XXXX - XX/XX/XXXX shows a {$0.00} balance then under FCRA regulations you must enforce the removal of this unverified negative amount from all credit reporting agencies including XXXX against 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 2022-11-14
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$20000.00} : US SM BUS ADMIN ODA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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, this creditor, XXXX XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and 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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I sent a letter off on XX/XX/2022. Here 's my tracking number XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution isn't suppose to share my information to third party people. 

These are clear violations of my federally consumer rights.

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 2023-01-16
Company: ROYAL UNITED MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are a law firm in Texas. Royal United Mortgage claims one of the attorneys made an online inquiry with Royal United Mortgages. The attorney stated he does not recall making an inquiry with Royal United Mortgage online and is not interested in their service. The attorney asked that I relay that information to the caller from Royal United Mortgage. After being informed that the attorney is not interested and did not make the online inquiry, Royal United Mortgage continues to make harassing phone calls to our office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been in contact with XXXX XXXX XXXX since XXXX of 2020. A XXXX bank credit card opened in my name and charged off to XXXX XXXX XXXX. I have cooperated with them but am now being sued for a debt that is a result of identity theft. I have filled out all of the fraud affidavits that were sent to me from them. I was told by representatives of this company that they could see a name, address, email, and bank account attached to this account that was not mine. I now realize after being taken to court for a pre trial hearing that this company does not take your concerns seriously and have now filed identity theft with FTC and am waiting for an XXXX to meet with me this week to file a police report. I feel as though I am being harassed to pay money that I do not owe. I do not think XXXX XXXX XXXX handle victims concerns appropriately.

Company response to consumer: Closed with explanation