BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-14
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2021, I was hired by a company that sent me two checks, one for {$2200.00} the second for {$1900.00} to purchase a computer, software, and printer from a specified vendor to be used for the remote customer service position. This seemed strange. I felt unsure about this being ok. So before I did anything I called my bank and talked to a customer service agent and explained what was being asked of me and was that a normal thing, if it was ok. The agent told me that it was unusual, but something that is done. I can go ahead and make the deposit and payments if it does turn out to be fraudulent I would not be held liable for the funds. So, after reaching out to my bank for guidance if I should proceed or not, because and only because the bank representative said it would be ok to proceed and not be liable, I made the deposits and payments totaling {$2200.00}. The company and the checks were fraudulent and the money I had in my account was taken to cover the transactions I made ( with assurance I was not liable ). I was a victim of a scam. And though I authorized the transactions, I NEVER would have even deposited that first check if I had not been guided by the bank 's employee. I am now {$180.00} overdrawn. I realize that I authorized the transactions, However, I believe the bank should be liable due to the actions of the customer service agent telling me I could without incident. I have exhausted all levels of escalation at the bank but am not ok with the bank instructing me to do something and then after I do, being held responsible for the result. I have documentation and notes for the conversations and the responses I received. Additionally, I have the name of the representative from the disputes and investigations unit who read the transcript from the phone call I made to the bank seeking help and said the bank is at fault and should be doing the right thing and cover the lost funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-14
Company: KEYCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
KeyBank Na In the year of XXXX in XXXX I began having hardship from the Pandemic. I reached out to my longstanding bank for assistance, they gave me ( 3 ) months to XX/XX/XXXX then to further discuss the circumstances after that time. Interest and fees continued to accrue, but they misreported all the information to the credit bureaus creating negative remarks and status on my files, I notified them to correct immediately, both the credit bureaus along with the bank itself, but to no avail no one assisted to fix the situation then in XXXX I continued to call the bank on numerous occasions asking for an agreement on terms an interest and removal of certain fees they also attached to my account, they still did not respond to my request, time over time month over month I was treated unfairly, they broke FCRA, Fair Lending Laws, FDCPA Laws misreporting my status, disrespectful, ignorance and lack of care, knowledge to fix the issues. I have records of dates and times of me calling them, they just did not care, I continued to pursue the validity of the debt, noting I should have not been charged all of that additional interest due to their lack of corporate inability to make a decision and conclude the agreement .Now months later nothing matches, my account info, credit file info, dates, payments, I have asked several times over the past month for more accuracy of reporting and a statement for corrected balances and terms, never received, now I have asked to CLOSE THE ACCOUNT AT CONSUMER REQUEST ON MY CREDIT FILES .they won't even fix that for me. I have verbally opened a case with the CFPB and now would like to make an open formal investigation .Notably I do not know how many others they are doing this to, especially during the time of a Pandemic, but they need to be stopped and held accountable for their performance to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, entered into a consumer credit transaction with UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a INSTACREDIT AUTOMART on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but UNIVERSAL CREDIT ACCEPTANCE , INC. d/b/a/ INSTACREDIT AUTOMART in fact took cash. The finance charge is supposed to include insurance, but UCA, INC d/b/a INSTACREDIT AUTOMART made me purchase insurance separately. UCA, INC. d/b/a INSTACREDIT AUTOMART did not present me with a Right of Rescission in this consumer credit transaction which is a violation of 15 USC 1635. Upon violating my rights as a consumer under Truth & Lending Act, this same company also committed fraud under the FDCPA. These FDCPA violations include invading my privacy, used profane and obscene language, damaged my reputation as a consumer, used unfair and unconscionable means to collect the alleged debt, furnished misleading and deceptive forms, and has caused a tremendous amount of actual damages behind these fraud acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Sunday XX/XX/XXXX I attempted to transfer money from my savings account to my checking. I accidentally transferred from checking to savings. I didnt receive any money into my savings account but it put me {$270.00} in the negatives. Intstead of canceling the transaction the employee pulled the money out of my savings account which put me down {$200.00}. I feel I am owed my {$200.00} as if I wouldnt have accidentally pulled from checking it wouldve been a positive amount. If this is not resolved I will be taking the bank to small claims court and will be closing my 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 explanation
Consumer complaint received 2021-08-13
Company: TD BANK US HOLDING COMPANY
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later, on XX/XX/XXXX, I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX  on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX  and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I can not access my free credit report from credit report.com. I was told electronically from that site to verify I have a XXXX department store card and a car loan which I have neither. 

I then called equifax for my credit report. They told me they needed more information. I faxed them all of my personal information which included my drivers license, social security card and birth certificate. I never heard back from equifax and when I called them they transferred me endlessly and I never got the opportunity to get confirmation that my documents were received. Nothing was ever resolved with equifax. At that point I just gave up. I spent at least XXXX dollars faxing all my information to equifax for basically nothing. 

I established my social security account today if that helps. I only have a checking account. I have no credit cards or loans. Im a XXXX XXXX XXXX college student who still lives at home. I really want to see whats on my credit report. I have never seen it and want to resolve any discrepancies there may be if any. Thank you for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There are last payments being reported on my Credit Report XXXX XXXX XXXX XXXX ( XXXX  ) Acct # XXXX Late Payment : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THIS HAS BEEN AN ONGOING ISSUE FOR MONTHS. THE 2 ACCOUNTS THAT I AM DISPUTING ARE A RESULT DUE TO IDENTITY THEFT/FRAUD AND I DID NOT AUTHORIZE THEM. PER 15 USC 1681B YOU ALL ARE BREAKING THE LAW, FURNISHING INFORMATION THAT DOES NOOT BELONG TO ME. I DID NOT GIVE XXXX  ALL XXXX  TO FURNISH ANYTHING. LET ALONE WRONG AND FALSE INFORMATION AT THAT! I WILL GIVE YOU ONE MORE CHANCE TO GET IT RIGHT BEFORE I REPORT YOU ALL TO XXXX XXXX XXXX XXXX AND ATTORNEY 'S GENERAL.

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 2021-07-07
Company: EQUIFAX, INC.
State: CA
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 a sent letters regarding inaccurate and unknown items on my credit report. To this day 35 days later i have not received a response. I feel like I am be take advantage of and being ignored by my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: TX
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/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) and 15 USC 1666 ( b ). Reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
In accordance with Fair Credit Reporting act, The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX 15 USC 1681 Sec 602A states that I have a right to privacy. 15 USC 1681 Sec 604A sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C ( A ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon the refinancing of my existing loan in XX/XX/2021, which Fifth Third Bank was servicing, I had new payments beginning in XX/XX/2021 under the new loan terms ; Fifth Third Bank is also servicing my new debt. Included in my monthly payment is PMI in the amount of {$55.00}. After the XX/XX/2021 payment, the LTV on my loan became 79.9589 % and the loan documents allow me to request removal of it. As such, I reached out to Fifth Third Bank on XX/XX/2021 to begin the process of removing the PMI. First I was told I can't cancel PMI because Fifth Third Bank was incorrectly quoting information from my old loan ( the loan prior to the one I refinanced XX/XX/2021 ). Then once that issue got settled in mid- to-late XXXX, I was told that an appraisal will be performed at my property, at no expense to me, in order to determine the proper market value. I can't recall the exact date but it was supposed to occur in early XXXX. Shortly after that in XXXX, I was contacted by another representative of Fifth Third Bank that said I had to make another written request to have it removed and that an appraisal was no longer needed. After trying to rectify the issue over the phone with no success, I reluctantly submitted another written request on XX/XX/XXXX to have the PMI removed. Since that time I have not heard anything from Fifth Third Bank and I've already received my XXXX mortgage invoice and it still lists the PMI. So here I am today, 5 months after my initial request and there has been absolutely zero movement in the removal process. This has arguably cost my family and I about {$250.00} ( and counting ). To say that this is beyond frustrating is an understatement ( quite frankly, I just don't have the time to document, step-by-step their ineptitude ) and the customer service provided up until now has been awful. I have all the loan documents and am well versed in this field. There is no reason why this PMI shouldn't be removed and I'm so fed up at this point which is why I'm reaching out to the Consumer Financial Protection Bureau. Fortunately, I work in a field similar to the service that Fifth Third Bank provides to it clients but for those individuals without a background like me, they are extremely vulnerable and mislead by this company ; likely resulting in families paying additional monies to Fifth Third Bank due to their poor performance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( 2 ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { XXXX XXXX Credit Card with Account # XXXX } I also respectfully request to be provided specific proof that theses alleged late payments ( 2 ) were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( XXXX XXXX Credit Card ) for accuracy. If they are unable to provided that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments?

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Experian Information Solutions Inc.
State: AL
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:
My credit report shows 7 late payments but the information is not consistent across all Experian, XXXX  and XXXX which is causing me to not get approved for a home loan. XXXX told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!

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 2021-08-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Complete Credit Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, a collection of {$1300.00} was placed in my name on my credit profile from an unknown debt collection agency identified as Complete Credit Solution with no prior notifications sent to me via mail, email or phone. Since then, I have disputed this debt multiple times with all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX who have only stated that the debt was confirmed with no actual investigation or documentation sent to me for confirmation. I have also sent notarized and certified letters dated XX/XX/2021 for all 3 credit bureaus and XX/XX/2021 ( with an estimated arrival date of XX/XX/2021 ) to the debt collection agency and all have since refused to send me documentation of this alleged debt or their investigation methods to which I have no knowledge of creating. 

I have been the victim of identity theft numerous amounts of time and there is even a notice on my credit reports to identify all information and without proper confirmation this constitutes fraud and another case of identity theft. This debt has been on my account for over 6 months and has caused me great distress as I can not acquire vital loans or new lines of funding needed for the my financial future. 

Below are the certified receipt numbers for reference : Complete Credit Solutions # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please look into this matter as 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