BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: Experian Information Solutions 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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-27
Company: Yamaha Motor Finance Corporation USA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a boat with Yamaha Motor Finance Corp USA XXXX XXXX XXXX XXXX, TX XXXX XXXX Supervisor : XXXX XXXX Payment due XX/XX/2021. Payment in full for {$410.00} was mailed on automatic bill pay by XXXX XXXX XXXX  on XX/XX/2021. Allowing 11 days to mail and post. XXXX XXXX shows check as delivered XX/XX/2021. Giving still 4+ days for Yamaha to post payment. 

Due to slow posting by Yamaha, they claim the payment was posted XX/XX/2021. 
They charged a $ XXXXlate fee for XXXX being " late ''. 

Despite all payments being on time for full amount ; they were saying the $ XXXX/late fee was making the regular payments SHORT. And therefore charged additional late fees every month for all subsequent months. 
Despite the fact that all XX/XX/2021- XX/XX/2021 payments got mailed out 10 days in advance, they were charging a late fee even though full payment was arriving on time and short posted due to fraudulent late fees. 

All subsequent late fees stemmed from the original fraudulently applied a late fee in XXXX due to their own slow payment posting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
See document 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 explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
TransUnion will not remove negative accounts off my credit even though I have sent them proof that said account is paid with a XXXX balance. I have filed a dispute several times and still I haven't heard from them about my dispute.

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 2023-05-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital one issued my 1st card approximately 15 yrs ago. A 2nd card was issues a few years later and I was recently approved for a business card. I have been an exemplary customer always paying on time every month. All my cards were restricted in XX/XX/XXXX by fraud requesting that I confirm my identity. I have never has any issues with any fraud. I immediately sent all documentation requested and also sent a 2nd time due to my bank statements expired since they took too long to review my case. I have proven my identity and my address as shown on my bank statements copies of my drivers license etc.sent docs a 2nd time XXXX. I was advised several times everything was verified and the restriction would be removed. While waiting they closed 1 of my cards. I called today and was told as of XX/XX/XXXX all my accounts are closed due to not being able to verify my identity. I work for a Bank and I am who I say I am and verification has been sent as requested. I feel I am being treated unfairly and discriminated against for no reason. I also moved on XXXX and requested to update my address to receive the letter sent XX/XX/XXXX and my monthly statements due to online access taken away Request denied Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 weeks ago I received a letter from a debt collector company, called " ASSET ACCEPTANCE , LLC '' The letter indicated that, I have a debt collection from XXXX bank for amount of XXXX dollars. I never had a chase bank credite card in my life, I always applied but have never got approved. That was so scatchy so I called the company and told my situation. They told me the account was opened XX/XX/XXXX and the person whoever opened the account had my SSN, they stop paying the payments in XX/XX/XXXX then in XX/XX/XXXX judgement was applied to the account. The person who ever was using the credit card started to make payments on that judgement but in XXXX payments were stopped. There were no payments after XXXX until the ASSET ACCEPTANCE , LLC found me 2 weeks ago. Now they want me to pay the balance of XXXX dollars. 

Even though I was in the United States between XXXX to XXXX, I did not own any credit card from XXXX Bank ever. I left the country XX/XX/XXXX and never returned till XXXX XXXX. I wasn't even in United States when the judgement applied to this chase account or when the payments were made til XXXX. 

After talk to the person in charge of my collection she told me to get a police report and fraud affidavit and she told me to use this web site to get the affidavit. 

I do not know who opened the account or made payment till XXXX but it was not me. As I mentioned I applied for XXXX XXXX XXXX XXXX  many times and never get approved and s I stopped applying. This is not my account or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX of A # XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
On XX/XX/2021, I requested from Capital One for a credit line increase from one of my credit cards, and it was denied. Two of the reasons given were incorrect, and the credit score was from XX/XX/2021. 

On XX/XX/2021, I called the 800 number on the back of my CC and went into the branch on XXXX XXXX, XXXX, VA. Both said I was denied, so what is my problem? And there is no one I can talk to. 

I explained that it's not about being denied, but the bank used the score from XX/XX/2021, instead of XX/XX/2021. I want to make sure that if I were to apply for credit in the future, the bank or any bank would have the correct data. 

In addition, I mentioned that I paid off a lot of my CC and monitored my credit monthly, and I'm confident this way of doing business is incorrect. 

Both on the phone and at the branch, the operator told me to call XXXX claimed that they provided Capital One with incorrect information. My response is untrue, as I monitor my credit monthly, and both XXXX and XXXX have the correct information. 

My last attempt was to call XXXX and asked for help as I'm not getting any results from Capital One. XXXX told me to reach out to you, as it's why I'm writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: PNC Bank N.A.
State: FL
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 deposited my stimulus check with mobile deposit with PNC XXXX XXXX social XXXX and someone stole my check out my car and cashed it at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America not giving any updates or information regarding my money being unavailable.

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 2022-12-16
Company: Block, Inc.
State: MT
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:
Cash App reviews Cash App - Unauthorized transactions that were refunded but not recieved XX/XX/2022 Verified Reviewer 0 comments 1.0 Name : XXXX XXXX XXXX XXXX  : $ XXXX Reason : Back in XX/XX/2022 I had 4 unathorized transactions go through on my accpunt that I did not authorize nor did anyone have access to my secure card or account information which i keep very secure with multiple passwords on my phone. I disputed these transactions in the amounts of XXXX, XXXX, XXXX, XXXX. 

I never make these sort of purchases, especially repeatedly like this. So Cash App said refunds were sent back to my card linked to my account but have still gave never recieved a penny of them. Was told to conntact my card issuing bank and even with the trace numbers provided to me by cash app they were not able to locate said refunds anywhere. Fast foward and many many chats emails and phone calls, hours wasted talking with too many support agents to count, still nothing. 

So cash app tells me they will start their own investigation if i provide proof i never recieved them and things like name reason i think these were unauthroized, cashtag, dates and amounts. I provided all of this and have been the most cooperative with cash app three times now. They refuse to start investigation without any valid reason and keep giving me the mosy ridiculous automated answers as if they have no idea what i am even talkinh about even though i have chats that go back more than three months ago about this very issue. Sometimes i am just completlely ignored and told if there is anything else they could help me with theyd be happy too.

I need my money that is owed to me and i have waited lomg enough and have already started a complaint with the XXXX and CFPB and have no problem getting legal helo to go to arbitration if that is what it is going to take in order to get my money at least located. 

The weird thing is that each of these transactions still are in a pending status that says " REFUNDING BY XX/XX/2022. '' IT DOES NOT SAY REFUNDED, IT SAYS REFUNDING AS IF IT HASNT HAPPENED YET. i am really hoping to get this resolved immediatley and hope you will be able to help me out with this situation. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
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: Credit inquiries on your report that you don't recognize

Complaint:
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 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I bought a car with XXXX XXXX of XXXX, CA in XXXX. I was a victim of a break in due to the hardware issue with XXXX and XXXX models that is currently being exploited by thieves. I am now requesting copies of my car loan because I am having issues with the GAP coverage. I reached out to XXXX XXXX back on XX/XX/XXXX and was told that I had to contact the XXXX, CA Location because XXXX XXXX moved. locations. I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX the finance manager who was very rude an unprofessional. He sent my request for a copy of my contract to the wrong internal employee, and then to a person not even affiliated with XXXX, nor my request in any way. I tried to. complain to the general manager XXXX XXXX, the same day XX/XX/XXXX via email to which I have yet to receive a response. 

I have no copy of my contract to be able to check that it is correct, and valid under 15 USC 1631. I was just made aware by XXXX at XXXX XXXX that the XXXX location I bought my car from was closed down and my contract is not easily obtainable. Without proof of said contract, the loan is fraudulent and therefore nulled void

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
1. This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. 

I Demand Deletion of items and information plus I demand monetary compensation

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX Date Opened : XX/XX/2021 Balance : {$0.00}. Please update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
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: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: GA
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.

Company response to consumer: Closed with explanation