BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NC
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:
according to the Fair Credit Reporting act experian 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. 

In other words experian needs my permission, the accounts i would like removed are listed below XXXX Account. XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX  Account XXXX XXXX  Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs Inquiry date : 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 2023-11-10
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit 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:
Three Fraud charges from XXXX XXXX were reported. Two of them dated XX/XX/23 for {$150.00} ( reference # XXXX ) and {$100.00} ( reference # XXXX ) and XXXX dated XX/XX/23 for {$250.00} ( reference # XXXX ) was reported. 
Fraud Claim repeated denied by synchrony bank and I was told I authorized, participated in or benefited from fraud. I did not. These are not my charges. Three times I have contacted synchrony bank to explain that these are fraud charges and three times they were denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 I was told to contact Citibank in regards to activity on my account, I verified all of that and then they said my account was good because all of the transactions were mine. Next day XX/XX/2020 I go to the store to purchase items for my household and declined, cant access online account, so I call them. Several times each time my call disconnected at the same exact time it said my wait time would be. For example, your wait time is 65 minutes and my call will disconnect at 64:44 minutes. This happened 5 times. Each time over 20 minutes waiting. Twice over an hour. All I wanted was to unlock my card because the transactions were me couldnt even get things for my children or put gas in my car because they are holding my money. It is a hard situation with everything going on in the world right now. I just imagine being stranded had this happened I wouldve been left for dead. They havent made any attempts to reach me since this has occurred.

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 2023-06-02
Company: COMMERCE BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The last 6 months of my Commerce Bank statement, I made the minimum payment of {$30.00}. Once they posted the payment was received, then 2 days later showed it was reversed and added a {$30.00} late fee. Called to dispute, but they would not take responsibility blaming some technical issue. Also they have been difficult in helping me to redeem my reward points. Tolerated this unfair mistake, but on my most recent XXXX statement, it happened again. Payment reversed & {$30.00} late fee. Never had an issue like this with the 50 odd credit cards I've used before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: BANK OF THE WEST
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We have an RV loan with Bank of the West. All regular payments come out electronically. We were told any principal payments would have to be separate via check, so we set up a bill pay check in XX/XX/XXXX for {$500.00} extra a month. XXXX, XXXX, and XXXX payments were all applied correctly. In XXXX we noticed a regular payment was not taken, in looking online they had been misapplying the principal payment for XXXX, XXXX and XX/XX/XXXX. The only number we could call was the XXXX number that had an XXXX hour wait multiple times. We took work off and went into the XXXX branch on XX/XX/XXXX to resolve this issue. The banker XXXX, had no recourse other than to call the same XXXX number. He said they would fix XXXX, XXXX, XXXX principal payments as well as some of the regular payments that had also been misapplied. He told us that due to " regulations '' we couldn't make principal payments via bill pay and had to mail them in in special envelopes which he said he would mail to us. we never received them. In XXXX they took XXXX regular payments out, our regular of XXXX and an additional XXXX also applied as regular. I called and got a supervisor, XXXX, whom let me know my online history reflecting incorrectly in several spots : The regular payment on XXXX history shows all applied to principal ( XXXX said {$420.00} was applied to interest ) and XXXX of the XXXX XX/XX/XXXX principal payments ( which for some reason were broken up into XXXX and XXXX to equal our {$500.00} ) history reflecting the XXXX is principal, XXXX said it was reflecting as a regular payment. This was her answer for why a second random regular payment was taken on XXXX for XXXX and my online history was wrong. She suggested I keep the extra XXXX payment in place even though it was now reflecting I had overpaid by XXXX. She is supposed to mail me a correct history and principal payment envelopes that were supposed to have been sent out in XXXX that we never received. Bank of the West 's current process of making it so difficult to make a principal payment on a loan is deceptive and unfair.

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 2023-11-06
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I'm reporting bad faith and fraudulent loan practices from Santander Consumer USA Inc. On XX/XX/22, I sent in a letter of rescission per my right under XXXX XXXX after three previous attempts to validate the alleged debt owed on my car. Santander has not responded properly to my letters, affidavits or tabulations of violations to date. The only response concerning my actual request for validation, was a photocopied page of a one signature contract, with a fraudulent finance charge and a positive balance. There was never any notice given to me, neither in the original contract or in my following requests, with the proper full disclosure of the rescission process. According to XXXX XXXX I sent a notarized letter of rescission after learning my rights as a wronged consumer and was completely ignored and they sent me a threat to steal my property via notice to accelerate this month, long after my rescission letter was confirmed as received via certain mail tracking number. The entire transaction concerning my car was fraudulent from the beginning, and thus void from its creation and I'm seeking indemnification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
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:
Experian is reporting a collection in the amount of {$3600.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old from date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and is mandated that the account be removed. This false reporting of a collection/chargeoff account is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX promise me a kitchen to use until my place was done being built but what I got from them was lies deception I never got use of the kitchen due to rook leaks and unethical business practices I have file to take them to court they have been served a ten day demand letter. I need BOA to put my money back I have called them XXXX times and I have been lied to on every single call. I am ready to serve them a ten day demand letter if this does not get rectified immediatley there will be some meaningful consequences, there is not reason I am still waiting on a provisional credit since last Friday XX/XX/2023. There has been a hardship put in twice for them to issue the credit this too has fallen on blind eyes and deaf ears. I have XXXX accts with this bank XXXX business and XXXX personal now I am considering closing all of these acct I need a call from a decision maker since everyone else is being untruthful and unethical behavior.

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 2023-06-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2022-04-15
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:
A dental insurance company charged my credit card ( XX/XX/2022 ) for a service that I told them that I didn't want any longer. In return, XXXX not only charged my account but them billed me over {$100.00} in past due fees. I was finally able, after many phone calls, to cancel the credit card. Finally on XX/XX/2022, XXXX sent me an email advising me that they resolved my dispute, my account had a ZERO balance. 

This morning I received an email from XXXX XXXX that there was an update to my credit report and credit line. I always had an excellent credit rating, now it is good! I am very upset because especially at this point in my life, I'm XXXX now, I took and take great pride in my credit and my reputation. 

I have tried calling XXXX and XXXX, being placed on hold, then disconnected.

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 2023-06-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The automatic scheduled payment feature is failing after setup and is being removed by the bank system automatically resulting is late payment fees to account holder ( me ). I have setup auto payment 4 times in the past and the same thing happens each time. The credit company in this case is comenity bank and are not able to resolve this issue and are not able to re fund the {$30.00} late payment fees. Their technical teams have not been able to resolve this issue and is causing financial loss and frustrating experience to the account holder. I want CFPB to review this case and take appropriate action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: CL Holdings LLC
State: TX
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on XXXX  ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This account is showing inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There was technical issues with the auto payment set up for my credit card, so the payments were taken out, but then credited back to the card. I called as well as emailed the bank about this issue and was told to just re-input the account information and it should be fine, but it still did not fix the issue. I even tried making one time payments and bank transfers but it was denied each time, even though there was more than sufficient funds in my bank account. I also did not receive notice that the credit card account was in default until a few days before it would be considered late, and by then it was the weekend, so I could not go in or contact the bank until monday, which by then the payment would be considered late. I explained to them that I did everything I could to fix the issue before the payment would be considered late, but I also had no way of knowing their systems would have issues and cause my account to go into default. I was told by the credit union that I should have kept a close watch on my account, but then why is auto-pay given as an option to avoid late payments if I'm going to be told I have to check my account constantly to make sure it gets paid, even with auto-pay set up and on. I also did everything I could to remedy the issue before it was late, but the credit union did not give me sufficient notice, nor sufficient help in ways to avoid the issue of late payment.

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A dental insurance company charged my credit card ( XX/XX/2022 ) for a service that I told them that I didn't want any longer. In return, XXXX not only charged my account but them billed me over {$100.00} in past due fees. I was finally able, after many phone calls, to cancel the credit card. Finally on XX/XX/2022, XXXX sent me an email advising me that they resolved my dispute, my account had a ZERO balance. 

This morning I received an email from XXXX XXXX that there was an update to my credit report and credit line. I always had an excellent credit rating, now it is good! I am very upset because especially at this point in my life, I'm XXXX now, I took and take great pride in my credit and my reputation. 

I have tried calling XXXX and TransUnion, being placed on hold, then disconnected.

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 2023-10-18
Company: EQUIFAX, INC.
State: AZ
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:
this account is a complete violation of the no surise act, delete the listed accounts XXXX XXXX XXXX XXXX XXXX {$3200.00} PAST DUE XXXX XXXX XXXX {$42000.00} PAST DUE COLLECT CANT BE PAST DUE VIOLATION OF HIPPA LAWS VIOLATION OF SUPRISE ACT LIGIGTION WILL FOLOOW IF NOT DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
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: Account status incorrect

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. 

XXXX XXXX XXXX Account Number 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 2023-03-08
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/XXXX i sent ceryified letters to all XXXX  credit bureaus disputing several inaccuracies on my reports ( I'm a victim of idenity theft since XXXX ) and wanting proof of any verification. I got no responce. Then on XX/XX/XXXX i sent XXXX more certified letters to all XXXX  credit bureaus about why i recieved no responce and it was well past thirty days. As of today i still havent recieved a responce or any verifications for any of it i am uploading these letters. I need these accounts removed because i am trying to purchase a home for my son and i. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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