BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: IL
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A 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 then seven years.

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

Delete these 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 explanation
Consumer complaint received 2021-07-29
Company: ERC
State: TX
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to 15 US Code 1681a ( 4 ), as a consumer, I am entitled to privacy rights, which includes the removal of this bankruptcies from my consumer credit report. This provision emphasizes my legal right to have this bankruptcy information deleted, safeguarding my privacy and creditworthiness.

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 2023-07-07
Company: Comerica
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have had a DIRECTEXPRESS from COMERICA BANK for the last 8 years. On XXXX XX/XX/2023 I called the information line to find out about pending transactions as usual. The bank indicated that my card had been canceled. I had not authorized the cancelation. In fact, I had used the card recently in the month of XXXX. Only at the ATM so I didn't receive a paper receipt. The agent for COMERICA, XXXX, informed me that the card had been canceled three month 's prior. It is a debit card. So I went to XXXX located on XXXX XXXX XXXX and filled out paperwork to effect direct deposit into my bank account. That was XXXX XX/XX/2023. On XXXX XX/XX/2023 I obtained documents from my bank indicating that I had made ATM withdrawls in XXXX, no paper copy, and an XXXX on XXXX XX/XX/2023, obtaining a paper copy. I proceeded to XXXX XXXX and spoke to a Social Security XXXX. He directed me to this website and said that I could wait to talk with a specialist. He told me that many folks were experiencing similar problems with COMERICA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: Bread Financial Holdings, Inc.
State: NV
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:
On XX/XX/XXXX per Comenity Bank letter they requested credit bureaus to remove fraudulent inquiries from my credit report, I waited 45 days and those fraudulent credit inquiries still reported on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding those fraudulent credit inquiries to get removed from my credit bureaus right away since I already waited more than 45 days, and I need confirmation that those fraudulent credit inquiries have been removed from my credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Block these fraudulent items that are reported in my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; GA XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Investigation took more than 30 days

Complaint:
First week of XXXX I called the credit bureaus because they were reporting accounts inaccurately. They told me to submit disputes and to include my social, ID, and copy of utility bill proving identity/address. I did all this on XX/XX/2020. They all received my disputes certified the same week which will be uploaded here. 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 explanation
Consumer complaint received 2021-07-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been working to pay off my loan with Toyota Financial Services. Over the last 30 days, I made over $ XXXX in payments to pay off the loan in its entirety ; {$6300.00} was paid towards the principal. I notice that when I made what I believe is my final payment in the amount of {$730.00} which was the balance of my account on XX/XX/2021, TFS still has yet to apply the payment to my online account. I scheduled the payment for XX/XX/2021. The payment and funds was immediately taken out of my account on XX/XX/2021. As of today, XX/XX/2021 the payment has not posted to my account and has been showing as pending for the last 5 days. Meanwhile, the TFS is steady accruing daily interest on the account. Whereas the balance should be XXXX, it is still showing an account balance of $ XXXX ( see enclosed ). This behavior from TFS caused me to revisit the account from its inception and I have notice this has been the behavior of TFS, i.e., immediately take the scheduled payment from my bank account, yet wait 3-7 days before posting the payment to the account only to accrue more daily interest. 

This is foul and corrupt corporate practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I entered my XXXX XXXX XXXX application and notice that my funds have gone down by just about {$3000.00}. I go to check my activity and it shows that there has been two recent transactions, one for the amount of {$1900.00} and the second one for the amount of {$990.00}, both of these transactions carried out by Western Union. The next thing I do is Log in to my western union account and as soon as I do that and check on my recent transfers, I notice a third transfer was in progress for another {$1000.00}. Luckily I stopped that last transaction but I couldn't cancel the two earlier transactions totaling to {$3000.00}. 
First thing I do is check where the money is going, it shows XXXX and the money is being sent to two different names. At this point I knew my account was hacked or my information to my account was leaked because I never in my life sent money to XXXX and I don't know any of the names the money was sent to. the names weren't saved on my account. I immediately called Western Union to report my problem and my account was closed immediately. i was told that there will be an investigation but its most likely that my money will not get refunded because it seems that I logged into my account and made the transaction myself. Plus they also told me that there is no sign of a hack or any other entry into my account. I explained clearly that I have no relatives in XXXX and that I never send such a big amount. They still told me its most likely that I will not get my money back. I proceeded to call my bank and report that transaction as unauthorized. A few days later I was told by my bank that this kind of problem has to be Solved and Refunded by Western Union because my money was taken out by Western Union. I was then referred to call Consumer Financial to help solve this problem and hopefully get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am paralegal in the Consumer Law Program at XXXX XXXX for XXXX XXXX. 

I have been trying to reach Mr. Cooper XXXX formerly Nationstar Mortgage ) on behalf of a client. 

Relying on the contact information at https : //www.mrcooper.com/contact_us, I called the customer service contact number, XXXX, to discuss our client 's account on XX/XX/XXXX. 

The recorded information is in XXXX. There is no option to select another language. 

After punching # or XXXX several times, I was eventually transferred to a representative who, although greeting me in XXXX, also spoke XXXX. I explained to her what had happened and she told me that she would inform the appropriate Mr. Cooper staff. 

I tried again calling last week and today, and there is still no information offered in XXXX, so I am unable to assist our client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I have sent a letter regarding inaccurate and unknown things on my credit report to this day, over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. It has been over 30 days they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I am not working with any third party credit repair company, I am solely the only person working on resolving issues on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-29
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 Prepaid online to rent car from XXXX {$210.00} XX/XX/2021 Car rental agency charged my credit card on XX/XX/2021 {$260.00} XX/XX/2021 Contacted car rental agency and was told they would look into. 

XX/XX/2021 Filed dispute with my credit card owned by Barclays, Claim # XXXX. 

XX/XX/2021 Contacted by my credit card, instructed me to provide all receipts, credit card statements, bank statements, notices, printouts, etc and fax to XXXX of which I did. ( later learned I was given incorrect fax number ) XX/XX/2021 I contacted my credit card for status, was told my claim was closed because they did not receive required documentation as instructed on XX/XX/2021, was informed I had incorrect fax number and was given XXXX. 

XX/XX/2021 I refaxed all required documentation and mailed out hard copies as well. 

XX/XX/2021 I called credit card company to confirm all required documentation was received. 

XX/XX/2021 I received a letter from my credit card company dated XX/XX/2021. 
" After further review, we're not able to assist you with obtaining a credit to your account due to the following : " '' Insufficient proof that the merchant has violated the invoice/contract 's terms and conditions. '' '' I prepaid for a car rental and was then charged a second time for the car rental and my credit card 's notice dated XX/XX/2021 does not address this issues. 

I no longer have any faith in my XXXX Visa/Barclays credit card and need your assistance please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/XXXX, I asked Equifax, XXXX, and XXXX to investigate validity of debt on certain items inside my credit report. No response from any of them by XX/XX/21. I Sent a letter to demand to comply on XX/XX/21 as they have 30 days they have to respond to disputes, which they haven't done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
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:
Remove all Unrecognized, Incorrect fraudulent addresses, this is the only address I have " ( XXXX XXXX XXXX XXXX XXXX, N.Y XXXX ) '' also shown on my ID for proof There should only be one address listed on my report. I've enclosed documentation providing proof of current address to make deletion easier. Also, the Incorrect spelling of my name needs to be removed from my consumer report this is how my name is spelled " ( XXXX XXXX ) '' my name only has one correct spelling My photo ID is enclosed to show the correct spelling. 

Name XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, NY 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 2023-10-21
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was harmed by XXXX XXXX illegal debt collection practices, violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, and misrepresented that the company Barclay Credit card company had legally enforceable claims to debts outside of the applicable statutes of limitations.

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: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My information was shared with out my permission or signature over a debt that was not mines. I asked them to please cease and desist all calls and contact with me immediately, and they continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
At some point this has to stop. Im a hard working individual thats working and trying to take card of my debt in order to buy a house. And under 15 USC 1681 I have right that gets over look by these companies over and over again and this is where it stops.

XXXX, trans Union, and XXXX  are all govern by 15 USC 1681. And theyve repeatedly violated my rights numerous of times. I demand for these accounts to be remove listed below, because according to 15 USC 1681 section 602 ( A ) I have the right to privacy and I have not given again XXXX, Trans Union, or XXXX and written permission to furnish these accounts. 

I have also went over all of my credit report again with all 3 companies, and the information is still inaccurate I will not be going over it again. I will be seeking payment and have proof that the information with all 3 companies are completely different. 


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 2021-07-29
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CitiFinancial/HomeDepot has incorrectly charged me late fees as well as negatively impacted my credit for 30 days late payment for a debt I was never informed of ( credit impact was XXXX 2021 ). I have tried repeatedly to get some assistance from CitiFinancial, calling several times and speaking to reps informing them I was never informed of a debt. I had the account reps review my contact information, which for some reason was completely wrong. They had mailing addresses that I don't reside in, phone numbers I do not own and an email address that does not belong to me. The reps informed me they would submit dispute to resolve and every time i called back it was not filed properly on their end. I escalated up to executive teams and they still did not resolve my issue stating the debt was valid. I am not disputing the debt, I have informed them time and time again that how was I to pay a debt they never informed me about not by email, mailing address or phone call. Can someone please help me with this case, I feel as my credit is wrongfully being impacted, as I have never been late with anyone ever, as my credit report will reflect and this has dropped my score down 60+ points a time when I am trying to refinance my home. The amount of the debt was {$100.00} which was paid in full at the time i called the first time, the only way i was informed of this debt was when my XXXX  account flagged me for late payment and showed the decrease in my credit score.

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 2021-07-29
Company: ACIMA CREDIT, LLC
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:
XXXX XXXX has a charged off a car loan that doesn't belong to me. I have reached out to them multiple times as well as the 3 major credit bureaus. I haver asked to see the persons ID and the signed contract this has gone unanswered. from 3 credit bureaus and XXXX. the amount they claim I owe is XXXX XXXX {$7500.00}

Company response to consumer: Closed with explanation