BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$3100.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$480.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$370.00} 15 U.S.C, 1681section 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 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 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 2022-10-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The account is reported as open but charged off and closed. It's also reporting 120 days late but closed. It's showing that I'm " past due '' but closed. I've been sending letters for several months and no response.

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 2022-10-12
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for your company to provide me validation of this alleged debt for clarification but I have not yet any information. I need to know which medical information has been shared and see if my rights to privacy have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: KY
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:
I reviewed my consumer report and there is information reporting that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted immediately. I understand that you have the authority to decline or resend the information. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. If you believe I obtain procession of goods and services, I need a senior executive member of the company to put it on an affidavit signed under penalty and perjury notarized. This is causing me extreme stress and allowing me not to live my life due to fraudulent reporting. Please tell me your method of verifying this fraudulent information!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2019-01-14
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
" In XX/XX/XXXX, I had an auto loan financed by ( ACA ) American Credit Acceptance. The interest rate was 26.8 %, with payments of {$490.00} for 72 months. A simple interest loan program.On XX/XX/XXXX, I requested and was approved for a deferment from XX/XX/XXXX to XX/XX/XXXX, the amount deferred {$980.00}, for reason of medical issues. In the approval letter, company wrote, for the avoidance of doubt, nothing in this agreement changes the remaining terms of the contract. My maturity date for the payoff of my loan is XX/XX/XXXX, yet ACA is claiming that I will owe and additional {$3200.00} in fees and interests under their simple interest calculations, but no one at ACA will provide how the interest is calculated. My payment history from this point on to the end of the loan has been perfect and will be when I satisfy the loan requirement on XX/XX/XXXX. When asked if they can provide me with how this number was calculated, nobody has a sensible answer. In fact, on XX/XX/XXXX, I spoke with a supervisor at ACA, name XXXX, approximately XXXX XXXX referencing this request and she could not give me a definitive answer. Her only answer is if I go to a simple interest calculator I can compute it myself. When previously contacting ACA, the representatives are verbally abusive, extremely condescending resulting me asking to speak with a supervisor. Oftentimes, I am routed to a rep outside the country/States, and many attempts at communicating my concerns are futile. What can I do to resolve this issue? Is there a legal precedence for this situation? I am currently making the remaining payments on time, and the last payment is set for XX/XX/XXXX '' with the remaining balance of {$3200.00} due at that point before my title will be released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on 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 non-monetary relief
Consumer complaint received 2022-10-12
Company: Advantage Credit, 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 have alot of unusual activity on my credit report in which i have been disputing and is falling on XXXX XXXX, this is harming my credit score and harming me from obtaing funding from banks and loaners, i also satisfied a hard inquiry by paying off the agreed amount and it is still affecting my report. This is illegal and unfair. Please help me erase all these frivolous XXXX authorized reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Collection Professionals, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Debt Collector is trying me to pay the debt twice. I paid this debt on XXXXPaid to XXXX XXXX XXXX of {$450.00}. And another collections office still says I still owe a different amount which is the same bill I wish your company would check into this since I don't have a phone number ( XXXX  XXXX ) by XXXX XXXX. Than you for taking time to check this out. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I was offered a settlement amount of {$600.00} for this account. I made a payment on XX/XX/XXXX in the amount of {$120.00} towards the {$600.00} them I made another payment on {$110.00} on XX/XX/XXXX. The amount was not changing on my account as paying so I called Santander to ask them to correct the amount they said they would not change amount then reported my account as in collections/ charge off with a balance of {$1000.00} and account closed. I contacted XXXX to dispute the amount and submitted the settlement letter and receipts to the payments. I explained that if they could report the correct balance according to FCR act I would gladly pay remaining settlement balance. XXXX investigated and declared that account was accurate. They did not send supporting documents XXXX gives Santander 30 extra days when I call in and make complaint. I have disputed this inaccurate information for o year now each time the company receives 30 extra days to not investigate properly. The company also charged the account off in XX/XX/XXXX when I made payment on settlement they reported as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 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 non-monetary relief
Consumer complaint received 2021-01-08
Company: NAVY FEDERAL CREDIT UNION
State: PR
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:
Sent XXXX to XXXX. No change they stated valid. Sent Navy Federal Credit Union debt validation letter XXXX XXXX 2020, they replied with email last night that its valid with no proof of signature that the debt belongs to me nor any contract that its my debt. Navy Federal sent a generic letter, no account number nor any personal information in regards to me owing this debt. They validated the information without proof that its my debt. As you will read from the email from NFCU they stated to talk to the credit reporting agency, which I already have. Its seems they are going me the run around like go ask your dad or go ask your mom, childish games. Im trying to finish this last bit of disputes to continue on with my life and live the American dream.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hi Team, My account was suspended by HSBC US, and they dont give me any reason for this activity. Just told me for security reasons, but i am 100 % sure there are no suspicious activities with my account and even no spending any money so far only ACH with my stock account with few money. 

I didnt see as a global bank with good service and qualities for their customers! 

I need get my account back and also i need detailed information, its totally XXXX with XXXX customers i can not accept. 

Many thx for your support

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
My company had leased vehicles from Ally Auto in XXXX and we agreed to returned them in XXXX. As Ally sold the vehicles, they paid us for the surplus of the vehicle value or I had to pay them for the difference due. However, even though we often check their website to see whether the vans or sold or not, they do not update the information. I have to wait until I receive a letter from them. For the second time, they sent us a letter in the mail for the amount due and at the same time they reported me to the credit bureau agencies as being delinquent. On Friday, XX/XX/XXXX, I received a letter on the mail dated XX/XX/XXXX. On Monday, XX/XX/XXXX I made the payment only to find out hours later that they had already reported this payment as delinquent. Ally system is automatically reporting the delinquency. This is affecting my life as we are going through the process of signing the closing of the loan for our house in XXXX XXXX and the financial institutions are not allowing us to sign because our credit has been hit. Everyone knows this is a mistake. Ally 's employees, XXXX and XXXX were doing a great job in helping to this resolved.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-02-06
Company: Monterey Financial Services LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 I leased a pet through XXXX  which is managed by Monterey Financial. I leased a total of {$2600.00} and it stated that my payments would be {$180.00}. If I kept the lease the entire lease term it would be a total of $ XXXX.Which included a buyout of {$390.00} but that is not the case. Now it is the total of {$4900.00} plus the {$390.00}. I am trying to buy out the loan early by 14 months and they are stating that I would have to pay {$2000.00}. I have already paid {$2100.00} because I missed one payment and since I couldn't pay the two payments in one month I had to pay an extra {$120.00} to push the one payment to the end of term plus they charged me with 6 late fees for the 1 month I missed. No where in my paperwork did it state that my payment of {$180.00} was split to include a lease fee of {$99.00} so only {$90.00} was actually going to my principal. I am just trying to get it paid and move on but nothing is working. If I pay off a loan in half the time I should still be paying double of what I financed. I understand I made the decision but this is horrible and gets people into financial problems. I need help trying to settle this lease. Then also when a debit card transaction wouldn't go through they would charge another {$15.00} but it was never returned it was just declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I recently sent in a dispute for an account on my report XXXX acct # XXXX. In stead of researching and verifying the information I supplied to them they updated once again to what the letter I sent in stated. The bad part is, the account is included in my bankruptcy and now it says it is late and past due. How did they fix my dispute or correct the account. They did not verify any information from the creditor. I had asked them to remove the item and instead they updated it with false information and have further damaged my credit and reputation. I have attached a letter of what I sent them and a copy of a document showing it is in my bankruptcy.

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 2019-05-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a lease with Nissan-XXXX which had come to term and was paid as agreed. It is reporting settlement paid for less then the full amount this is inaccurate. 1. Any fees due after the term of my lease is a separate agreement and can't be attached to a previous loan agreement. 2. I made this settlement with a different agency not with nissan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was making a payment for an overdraft to Santander Bank, which has overdraft protection to XXXX USD. Instead of taking {$200.00} to make the payment the Stantander Bank took XXXX out of my account ending in XXXX on this past Wednesday. I was told at the branch bank that at midnight the monies would be returned the next day at XXXX. That the did not happen. Instead the the XXXX balance was deducted to pay down the debt to zero and the remaining amount was not returned. So effectively I have been defrauded of {$19000.00}. Yesterday, I withdrew XXXX out of the overdraft in hopes that the Bank would at least apply my funds to use my the remaining amount owed to pay this off this debt overnight, which has been the case in every other instance. I looks like the account is now frozen and I am being charged {$4.00} a day for the use of my own monies, as this debt has been paid in full. I have over-drafted before and the always the monies were applied by the next business day. This is the first time this happened like this and I had a reasonable expectation, that the monies would be applied. In every other instance, Santander to my the best of my knowledge has always never let one it's accounts to be overpaid, such as my credit card. This should never have happened, and I am asking cfpb to intervene.

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 2021-01-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This XXXX card that later got rebranded to XXXX was advertised with a cash back from purchases that never happened since inception in 2017. This card is issued by Synchrony Bank and they claim XXXX is responsible for the cash back. They being XXXX wont answer emails or the phone and the bank cant help. This was an advertising scam.

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 2019-01-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I want to have prove I open those bank account I wrote XXXX   and call the bank no one seen to help me, please help me, I have seem bank information on my XXXX report that I have no knowledge of it.

Company response to consumer: Closed with explanation