BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX XXXXXXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX Account number : # XXXX Account name : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
Account number : # XXXX ALLhave all violated my legal rights under the following laws : 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX To Whom it may Concern : This is a complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2022-11-28
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
15 U.S. Code 1605 - Determination of finance charge THE SUM OF ALL CHARGES WAS NEVER INCLUDED IN THIS FRAUDELANT LOAN, AS THE ORIGINAL CREDITOR THERE SHALL NOT BE A FINACE AMOUNT. 

ALSO, INSURANCE COSTS WAS NEVER ADDED TO THIS CONTRACT. 

TAGS AND REGISTATIN WAS NOT INCLUDED AFTER MY VEHICLE BEING PAID OFF THIS VEHICLE WAS STOLEN FROM XXXX XX/XX/2022 I DID REACH OUT TO SANTADER NO LUCK, I DID ATTACH DOCUMENTS AND XXXX POSTAL TRACKING CONFIRMATION RETURN MONEY AND PROPERTY SINCE I AM NOT LIABLE 15 U.S. Code 1635 - Right of rescission as to certain transactions ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as XXXX money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX. I did not authorize these fraudulent accounts. I sent my FTC 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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : 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 2022-04-28
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received a postcard in the mail stating the following : " This letter is to notify you that within the past twelve months we have at least one report that added negative information to your NCTUE file. If you would like to receive a free disclosure copy of your NCTUE data report, please call toll free XXXX. This is the fastest way to obtain your NCTUE data report. This information may also be found online at www.nctue.com/colorado. '' When I called the phone number on the post card I was asked to enter my social security number! I hung up, went to the website, and called the customer service number listed there, at which point I was able to speak with a human, who proceeded to tell me that they send that post card to everyone and it is just for marketing! This is a ) false advertising by using false scare tactics and b ) potentially fraud, depending on what they planned to do with my social security number had I given it to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citi Credit Cards advertise compliance with federal laws pertaining to the allocation of payments made to balances owed at differing interest rates. Citi 's terms of service state that, " The minimum payment is first applied to any interest charges, late fees, and past due amounts ( if applicable ). The remaining portion of your minimum due will be applied to the balance with the lowest interest rate. Any amount paid over the minimum due, will be applied to the balance with the highest interest rate. If you have more than one balance at the same promotional interest rate, and no other balances at a higher interest rate, the payment is then applied to the promotional offer that expires first. '' In practice, payments made that exceed the minimum amount due are not credited or " allocated '' to the highest interest rate. Citi advertises a remedy to this issue on their website : contact customer service and request the payment be reallocated to the highest interest rate. There are issues with Citi not automatically applying payments to the highest interest rate balance after the minimum payment has been satisfied. 1. Customer service is unaware of this issue and lacks the authority to reallocate the payment. 2. My wait time between requesting the reallocation ( XXXXXXXX XXXX ), being transferred to a supervisor ( XXXXXXXX XXXX ), the supervisor responding ( XXXXXXXX XXXX ), and then receiving confirmation that Citi incorrectly applied the payment ( XXXXXXXX XXXX ) exceeded one hour. This is an unreasonable amount of time to spend correcting an issue for which I am not at fault. At scale, Citi 's practice of not applying payments that exceed the minimum amount due first to the highest rate balance is likely costing consumers millions of dollars in interest. Citi 's advertised remedy of contacting customer support to get the payment allocated correctly ( XXXX Citi 's terms and conditions and federal law ) is unreasonable for the average consumer, and - at scale- is likely wasting thousands of hours of consumers ' time and discouraging them from holding Citi accountable for how it applies payments made that exceed the minimum balance. Lastly, when Citi discovered the error, there was no mechanism to ensure the error was fixed " globally '' ( company-wide ). The errors are simply corrected as consumers report what they have discovered. The same error can occur month after month. Citi will continue this predatory practice without intervention from an authoritative source.

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 2020-11-17
Company: Experian Information Solutions Inc.
State: PA
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 have been a victim of Identity theft and have submitted copies of my dispute and they want additional information. I am submitting additional information to support my claim.

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 2022-10-27
Company: Exeter Finance Corp.
State: LA
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 Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account and or loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Amex charge XXXX dollars of interest one month without notice after beeing 0 % as soon as I got the statement l pay it off, but now they are also charging me a trail interest ... of XXXX dolars please help/advice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 2021-04-13
Company: EQUIFAX, INC.
State: PA
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 recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Macys doesn't mail the credit card statement to charge late fees and interest. 
this is how they make their money. I was paying careful attention to the website, trying to figure out why I wasn't getting statements. i always opt for the statements coming in the mail. it is still the best way to pay attention to paying your bills. 
when I noticed Macy 's scam. there's a small checked boxed for no statements that pops on the screen. it's not obvious and can easily be passed by. it is very fraudulent and should not be automatically checked in by Macys. 
I am requesting all my money back. all late fees and all interest. 
they also should not be allowed to have an interest rate of 26.74 % I will attach screen shot.

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 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is a formal complaint against XXXX, XXXX and Transunion. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, they have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: MO
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 2 SSN on my acct one is not mine did explain they didnt remove my ssn ending XXXX but another one ending XXXX not mine

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 2023-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received an email on XX/XX/2023 from Bank of America notifying me that a bank account was opened in my maiden name, which is no longer my legal name. I had not opened any account, so I immediately called the Bank of America Fraud Department to let them know an account was opened fraudulently in my name, which had occurred once before with the same bank. A representative from the fraud department for Bank of America told me that they had closed the account and that there were no changes in funds in the account. I was also advised that a Identity Fraud Marker was placed on my account to keep this from happening again, but I had been told the same thing by Bank of America six months prior when the same thing occurred. On XX/XX/2023, I received a debit card for this account. I again contacted Bank of America to ask if the card was from the same account or a new unauthorized account. They were able to determine that the card was for the same account, and that a freeze had been placed on the account but it had not been closed as I was told it had. The representative at Bank of America, XXXX, reportedly closed the account. Since that conversation, I have received two months worth of bank statements for the account despite it reportedly being closed suggesting it is not. Bank of America also has not sent me any documentation regarding closure of the account despite requesting this via my phone conversations with them and via letter. I have repeatedly requested that Bank of America close this fraudulantly opened account and can only assume at this point that they are actively avoiding closing the account because they are themselves engaging in fraud.

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 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/XXXX, I received a copy of my credit report, and as of XX/XX/XXXX ACCT : XXXX is reporting as valid and active. Upon further research, I found that sensitive personal data had been breached. My XXXX consumed me with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; especially on the count that I have never gone into a car dealership to apply for any auto loans or received any financing for a vehicle of any kind. Moreover, I currently do not own a vehicle at all. I contacted several dealerships and inquired about this issue at hand and the representatives informed me that, there is no way that a situation like this should have even occurred. Since confirmation of this fraudulent activity, I have tried my very best to get this removed and blocked from my credit report. With many failed attempts via phone and mailed in letters. After notifying the consumer reporting agencies ( XXXX, XXXX and XXXX ) of this issue this item was not deleted from my consumer file during the 30-day investigation period. In which is not in compliance with 15 US CODE 168i ( a ) ( 1 ) ( a ). Then after the investigation was completed and allegedly verified without issuing proper written notice of resources used to verify said information to I, the consumer per 15 US CODE 1681i ( a ) ( 6 ). I have experienced a tremendous decrease in my credit score which has led to other hardships. It has been impossible to now get fair financing without extremely high interest rates for adequate vehicles and housing approvals for my family during the pandemic. My work schedule varies and child care facility not close to my current address and work finding reliable transportation has been troublesome. Not being able to get approved and obtain my own vehicle or safe housing, 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. With plenty financial distress to no avail this issue has still not been corrected by CAPITAL ONE AUTO FINANCE, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation