BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 conversion account numbers have violated my rights. 

15USC1681Section 604A states that I have the right to privacy.

15USC1681Section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

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 2023-06-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX - Received a phone call from XXXX (? ), spoke with XXXX at XXXX ; she stated I had an outstanding credit card debt, {$5200.00} breach of contract with GE Mastercard, stated I had never taken care of it, there would be an investigation and lien put on my assets, and threatened a civil lawsuit. They claimed to have sent me documents in the mail a month prior with an attempt to resolve. I asked them what address they had sent this to, and they provided a prior address I lived at over 9 years ago. I gave them my current address and they said they would mail me the documents. 

Prior to this conversation, they left a VM for my husband that same day. 

XX/XX/XXXX - I called GE Money and spoke with their recovery dept ( the account was under my maiden name- XXXX XXXX ). XXXX XXXX stated the account had ben closed in XXXX. When I asked if they could provide me information on the account, they said I needed to request this in writing. I requested a copy of my credit report from all three reporting agencies, and showed zero delinquent or past due balances. 

XX/XX/XXXX - Received a phone call from a courier service asking me to confirm my address. They gave me a case # and phone # of a law firm to contact as they claimed they did not know what was being sent to me. I called XXXX and spoke with XXXX at XXXX XXXX XXXX. He sounded very legit and was very empathetic to the situation. I told him I had not received anything in the mail and confirmed my address. He said he could send me a Docusign agreement via email and it would be valid for 24 hours should I want to settle out of court. I received it but have not signed or paid. 

I used XXXX XXXX XXXX XXXX XXXX years ago to consolidate and pay off any outstanding debt. When I spoke with them ( XX/XX/XXXX ) they said this sounds like a scam and not to engaged. To this day, I have not received anything in the mail regarding an outstanding debt from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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 says : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act HUNTER WARFIELD 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 an account without written instructions On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. in my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I went to Title Max to get a title loan for my vehicle on XX/XX/2023 because I had got laid off in XXXX. We agreed on a loan of {$1600.00}. I never was able to pay the loan back, which I let them know because I wasn't hired by anyone. Doing this period of time I became homeless and my family and I was sleeping in the vehicle. They repossessed the vehicle on XX/XX/2023. They kept a business book which has my driver 's license, XXXX card, and my family and I birth certificates. The vehicle has less than XXXX miles and new paint. They claim they sold the vehicle for {$1600.00}. They say I owed {$2600.00}. So I wasn't given any funds back which I know the car is worth every bit of {$15000.00}. Could you please help me with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Dear Sir or Madam, My name is XXXX XXXX. On XX/XX/XXXX, I received an email from Bank of America to confirm an email for an account I did not open. The email stated that " If you dont recognize this activity, call us at XXXX. ". I called that number and after a 30 min delay I finally reached a representative who passed me to another representative, who then suggested I call another number ( XXXX ). I have been on hold for 20 more mins and finally spoke to a second customer representative without a successful resolution. I have spent a total of more than 1 hour on the phone. 

Based on the conversations with the bank it appears someone tried to fraudulently open a bank account on my name. The application process for a bank account is still open ( contingent on providing additional details ). I have notified the bank that I did not try to open a bank account and that it is likely fraudulent activity - but the bank is unable to close that application ( their systems do not allow it ) or to flag that application as fraudulent because it is still in process. 

I would like Bank of America to immediately cancel any outstanding request to open anything on my behalf. I would also like Bank of America to assure me that any future request for any banking activity with the bank will involve a high bar for confirmation to ensure that this does not happen again. 

Thanks and warm regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On approximately XXXX XX/XX/20 I noticed that I was being charged {$21.00} by comenity bank XXXX XXXX I called the company and spoke to a representative and they told me I was being charge by XXXX to a credit card that was closed. Comenity then open that XXXX without my permission. I have an XXXX credit card link to my XXXX XXXX  so I know that couldnt be the case. The representative told me that she will use a {$30.00} reward to cover that balance and I asked to closed that account. Then I received another letter stating that I still owe that amount and with late fees, the amount went up to XXXX. I never authorized comenity to open that account in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 was out of the country and provided proof to CAPITAL ONE with my US PASSPORT and stamps in my passport showing my departure date from the US and return date. During this time frame, my personal information was used to obtain credit and I was never aware of it, until I looked at my credit report. I then filed a FTC report, and CAPITAL one is still saying they found no fraud, HOW IS THAT POSSIBLE when I was out of the country? They can not substantiate any documents or proof?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: FIRST NATIONAL BANK OF OMAHA
State: UT
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: Card was charged for something you did not purchase with the card

Complaint:
We have a Scheels VISA card which is managed by FNB of Omaha. We just found out yesterday that the billing address on our card was changed back on XX/XX/XXXX to a California address. We live in Utah. So we called Scheels yesterday and had the card and account shut down. They are now issuing me a new card and changed our secret passcode on this new account. They told us to call XXXX to get this address removed from our credit report which I did today. They then told me to come to this site and report the fraud and account takeover. So far we don't believe there were any charges on our credit card by this individual. But will not know for certain until we get our new card in 5 to 7 days and then able to setup our online account and payment. This credit card earns us points for all purchases we make anywhere and not just at this local Utah store. So with these points, I usually get a {$25.00} gift card every month in the mail. So looks like this must have gone to this California address for the last 2 months. Let me know what additional information you need. I also setup fraudulent alerts with XXXX today as a proactive action and they told me this would also be enforced by XXXX and XXXX for the next year.

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 2020-07-29
Company: FC HoldCo 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: Account status incorrect

Complaint:
Flagship has not resolved my concern. Flagship is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that Flagship provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX XXXX  XXXX This is an alleged debt that I am not claiming.

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 2019-08-30
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my DL for proof of ID Please update my address to XXXX XXXX XXXX, XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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:
I have wrote to each credit reporting agency and also called. They did not provide me with any information or help for these unauthorized inquires 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 2023-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I did a Credit card transfer from Wells Fargo to a local credit union. Wells fargo didnt has since continued to charge interest on my card when the account has been closed for 3 months. They are saying its user error even though I gave everything I needed to for the Credit Union

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 2023-08-27
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
See attached objection to Nationstar and their counsel 's false claim I am making a frivolous complaint and new complaint because Nationstar is prohibited from failing to correct errors in inaccurate payment allocation per 12 USC 2605k1c and prohibited from collecting and retaining unearned fees per 12 USC 2607. My attached objection to an XX/XX/2023 uploaded XXXXXXXX XXXX XXXXXX/XX/2023 response clearly outlines false claims made to the Court, to the CFPB knowingly using detail reports to claim errors didn't exist internally within the original transaction history that recorded inaccurate overstatement of principal debt, over calculated but under allocated collected amount of interest leaving {$15.00} still held in suspense, a suspense account holding {$1800.00} in lender fees never allocated to any advance ( all advance payments were later reversed after acceptance of my overstated payoff ) that were in fact all unearned fees never refunded to me, and an outrageous claim I paid and Nationstar allocated {$11000.00} for 196 late fee payments over the entire life of the loan of 94 months, falsely claiming by manipulation of detail reports the error either didn't exist or was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: IA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
State: ID
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:
Hello, I have a complaint against the 3 credit bureaus- XXXX XXXX Experian XXXX XXXX XXXX I work in the mortgage industry as an Underwriter so I see credit report 's all day long and the credit scores are all over the board. I obviously can not give out names or SS # s to show you examples but my own credit report would be a good example. I have had a perfect credit history for past 3 years and before that I had 2 X 30 day lates. I check credit karma almost daily to view my report. After viewing my credit scores yesterday, one bureau dropped 70 points because my 3 different accounts increased by no more than 120 a piece and that is not over the credit limit either. How can the scores vary so much? I have also seen where people with new credit, less than 12 months and only 1 tradeline have scores over 700. How is that?

Something is totally wrong with this system and it needs to be addressed. It's so frustrating to watch my scores go up by a few points then just sky rocket down, it's not right especially when I have worked so hard at keeping everything paid on time.

Please advise on how to get this corrected. I am sure that I am not the only person that feels this frustration.

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 2023-08-16
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I assumed I opened successfully an online High Yield Savings account with XXXX XXXX an online division of Key Bank. Then this account was abruptly restricted without explanation. I went into a Key Bank branch in XXXX, WA to seek answers. I was told they were having trouble identifying me. I was asked to provide FULL TAX RETURNS for 2 years, my State issued identification and to see my actual Social Security card, all of which I provided. I visited the bank several times and spoke with a banker and the branch XXXXanager. They seemed to believe I am who I say I am but their fraud department after initially clearing me, turned around and denied the account. Not XXXX person from the Key Bank XXXX department has reached out to me to provide an explanation or insight into why they are having trouble identifying me. The branch XXXX has said they have tried to no avail to get a response from the fraud department as to why they continue to deny my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter claiming I owe a medical deb that did not have my correct name. 

I reached out to Wake Field & Associates to validate the debt. They told me they would. This never happen. 30 days later, I reached out - no reply via email and letter. No reply. Called again - no assistance with this company. 

Now I have a collection report on my credit report. 

This company will not and has not validated this debt. 

The debt is not even in my name. 

Wake field & Associates will not confirm the debt. Now it's on my credit report without any a chance to confirm its mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I made a purchase at XXXX XXXX in XXXX New Jersey. Which later I found the double charged me. The card holder which is Synchrony bank was unable to assist in reversing the charge due to the actual company where purchase was made has to. Okay so they gave me additional numbers to contact due to now the XXXX facility is now permanently closed. XXXX which I left a message and was received a phone call back explaining they were unable to assist me. Then XXXX, and XXXX, okay so I called the XXXX store where a manager had me on hold for 58 minutes. So I went there and spoke to him in person and stated that it will be resolved but today is XX/XX/XXXX the charge is still pending on my card and customer service still states that I have to speak with the original merchant. When someone is not understanding that the facility is permanently closed. I'm still getting contact numbers where no assistance can assist me. This should not be I want the charge reversed {$560.00} ( My sales order number is XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
By checking attachment should notify you as progressive settling XXXX XXXX XXXX on vehicle that XXXX lies about paying off. I request repossession document which includes VIN number, date it was repossessed. Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in my system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to verify this record. If you can not verify this record, I request you remove this data from my account immediately. 

Disputed Item 1 <XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX > Reasons why this is an error : 1 ) car was traded in for upgraded vehicle. XXXX to XXXX XXXX 2 ) dealership changed bank from XXXX XXXX XXXX XXXX XXXX XXXX 3 ) only one bank should be reported as completed and closed which should be XXXX 4 ) no repossession 5 ) repossession documentation, when car was towed and repossessed. Car cant be repossessed and new loan opened same bank.

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