BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-11
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I made one payment to this company and maintained constant contact. They have been very rude since Ive been unable to make payments and have told them repeatedly that I am voluntarily surrendering the vehicle. In order to charge more interest, they keep stating they arent in the car selling business and keep my loan open. Loan start was XX/XX/XXXX with a 700 % interest rate. They stated that if I paid only interest at {$780.00} a month, I could renew my loan after 5 months, still not paying down the initial principal of {$2800.00}. I told them in XXXX of XXXX that I was unable to continue to make payments because I was unemployed. This was when they responded with they couldnt take possession of the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 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 explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE SENT OUT MULTIPLE DISPUTES REGARDING FRAUDULENT INFORMATION ON MY CREDIT REPORT. THE LAST DISPUTE I SENT OUT WAS XX/XX/2021. THERE HAS BEEN ZERO RESOLUTION TO MY CREDIT REPORT AND I UNDERSTAND THAT WHEN CLAIMING ID THEFT AND FRAUD THE BUREAUS ONLY HAVE 4 BUSINESS DAYS TO REMOVE THESE ACCOUNTS. ITS BEEN MONTHS AND NOTHING HAS BEEN SOLVED. I AM VERY DISSAPOINTED, THIS IS HINDERING MY ABILITY TO BUILD MY BUSINESS, I AM STRUGGLING FINANCIALLY AND THIS ISNT HELPING. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this matter several times. Your efforts in resolving my problem were ineffectual. What else should I do for you to give thorough attention to my dilemma? I believe there may be an error in the reporting, and I am seeking your assistance in rectifying this issue. 
BANK OF AMERICA XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities.

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 2022-09-19
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was sent a sum total amount from my sister for partial payment of money she owes me due to staying in my rental at XXXX a month. XXXX XXXX XXXX  and serious delays on unemployment, she has been unable to pay. She finally thought she had received funds from unemployment and transferred the money to my account. Something which I'm not privy to apparently happened with the funds. 
Navy Federal Credit Union took it upon themselves to remove the funds from my account which left me stranded in another state. I am not a joint owner of my sisters account. I wasn't aware and neither was she of any mishaps. Navy Federal illegally took funds out of my account to right a wrong with my sister 's account. They also did it with my nieces account as well. They also put a freeze on my husband 's account for his funds. They are being overzealous and stepping out of their legal limitations. Had the funds still been in my sisters account, that would be understandable until they figure out what was going on. But Navy Federal took this funds out of my account which they do not have the legal right to do. I want my money returned to my account. I have nothing to do with anything. My account should not have been touched.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: NJ
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:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and even though 2 bureaus stated they would begin the investigation and forward me the results, I STILLl have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a secured credit card with XXXX XXXXXXXX XXXX for about 10-15 years now and they changed the way you pay your bills online also online statements would not be updated without any notice, ie, email, call nor text. when I found out that the statements weren't accurate I started sending {$20.00} a month towards my credit card, which I barely even used, the annual fee was what I was paying. in XXXX they tried to send me a overpayment refund check, I told them to put my overpayment towards future bill payments. An representative told me I could request that, and I did. I got a notice that I was late paying my bill in XXXX or XXXX, but the website said I was current and had a credit. around XXXX they reported to the credit agencies that I had a 30 day late payment. Never recieved a email, text nor call before hand. they said I didnt pay a {$5.00} late fee. mind you I had {$150.00} - {$250.00} overpayment that was to have been used. l disputed it they said it was accurate, talked to reps but no one never spoke about my credit I had with them that was to have been used. long story short, I recently closed that account and they sent me a {$350.00} overpayment to my checking account. no one never addressed the fact that I was not late but overpayed my account so how could I be 30 days late when I had a {$350.00} overpayment refund issued to my checking account. My credit went from XXXX in XXXX to a XXXX in XXXX. and my other credit card limits from other companies were lowered because of that error. I worked too hard to get my credit right for this to happen.

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 2022-09-19
Company: AC AutoPay LLC, Denver, CO Branch
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On Tuesday XX/XX/XXXX I applied with XXXX for a Lease buyout of my current vehicle. I was presented with 4 offers from different loan servicing companies. One of which was Autopay. Autopay showed the lowest rate upfront among their competition and upon further review of their offers there was an even better rate at a different term. The rates ranged as follows : Lease Buy Out Offer From : AUTOPAY Maximum Amount {$33000.00} APR 3.49 % Months* 24 Maximum Payment* {$1500.00} ADDITIONAL LOAN OPTIONS FROM AUTOPAY 3.49 % @ 36 months {$1000.00} 2.99 % @ 54 months {$710.00} 2.99 % @ 66 months {$590.00} Additional Stipulations, Terms and Conditions Check for year, make and model restrictions Check for mileage and loan-to-value restrictions Valid drivers license Proof of insurance Proof of residence Proof of income On Tuesday XX/XX/XXXX I was contact by Autopay to collect additional information to finalize the loan process. That included confirmation of the information provided during the original application and reviewing to confirm the vehicle details. 

On Thursday XX/XX/XXXX I was contacted by XXXX XXXX at Autpay. She confirmed my details and shared that I had been approved. She confirmed my credit was fantastic and income was well above what was needed. She shared with me that their preferred bank XXXX, I believe, came back at a rate of 5.3 %. That is > a 200 basis point increase from the original offer in a mere 72 hours. 

I shared my displeasure with XXXX at that time and told her this was unacceptable. I then contacted XXXX to share this incident with them. I spoke with them on Friday XX/XX/XXXX. They asked for a 48 hours to try and reach out to Autopay to understand what was going on. 

XXXX as manger from Autopay contacted me on XX/XX/19 as I informed them I was unsatisfied with their tactics and wanted to get them an opportunity to resolve before I submitted a CFPB complain. He reviewed my file and acknowledged that I have a near perfect credit score and they vehicle value far exceeds the requested loan amount. He confirmed that per the terms and conditions there was nothing that changed to rationalize a > 200BP rate change in 72 hours. He openly acknowledge that they advertise rates that may not be able to be honored. this is a blatant bait and switch tactic. They showed a lower rate than their competition with no intention to honor that rate. He simply stated that they are at the liberty of their lenders and that is what the final rate came back at.

I have additional email documentation on the dates if necessary. Also all calls were on a recoded line by Autopay. If you were to ask for the call logs you will hear for yourselves the same things I heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: TX
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 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 has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-08-17
Company: Experian Information Solutions Inc.
State: NY
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:
i reached out to this company XXXX many times as well as I sent them a letter which is attached, letting them know that they are reporting a late payment on my consumer report when in fact is a violation of the law. 

Pursua

nt 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Pursuant 15 USC 1681 ( a ) ( 2 ) ( B ) : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information as well as a right to privacy.
Please delete from my consumer report immediately.

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 2023-03-09
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-09-19
Company: Experian Information Solutions Inc.
State: AZ
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:
I CONTACTED EXPERIAN, XXXX, AND XXXX - CREDITOR NAME IS XXXX XXXX XXXX XXXX, SENT ID THEFT REPORT, POLICE REPORT, PROOF OF IDENTITY AS YOU CAN SEE ATTACHED THIS WAS REMOVED/DELETED FROM MY EXPERIAN AND OTHER REPORTS XX/XX/2022, NOW IN XX/XX/2022 THIS ITEM IS BACK ON MY CREDIT REPORT THIS IS FRAUD AND IDENTITY THEFT, PURSUANT TO SECTION 605B OF THE FIR CREDIT REPORTING ACT HOW CAN THIS HAPPEN IVE ALREADY SENT ALL DOCUMENTATION PROVING IM A VICTIM OF IDENTITY THEFT, HOW RE YOU REINVESTIGATING SOMETHING ALREADY BLOCKED AND REMOVED DUE TO 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 2022-03-07
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2018-10-23
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:
Dear Sir/Madam i had contacted EQUIFAX Credit Agency many times and they didn't care about consumer, i have a fraud on my credit and most inquiries has been removed already i had contacted many times XXXX XXXX XXXX XXXX to remove 2 unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 by XXXX i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof ( Two Letters ) from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago with no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry XXXX/XXXX XX/XX/2018 - XXXX/XXXX XX/XX/2018 Note : what is the Equifax Problem if i has letter from who run my credit to remove Unauthorized Hard Inquiry So Please ask Equifax Should care little more about consumer establish credit life in US and remove this two hard inquiry XXXX/XXXX XX/XX/2018 - XXXX/XXXX XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 Has violated my rights 15 U.S.C 1681 section 602 A. States 1 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 1 5 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
PNC bank continues to take enormous amounts of overdraft fees from my business account causing me to be in debt. They refunded {$1700.00} worth of overdraft fees then took them back. PNC claims a dispute for {$99.00} was denied from XX/XX/XXXX- it is now XX/XX/XXXX- and {$1700.00} in fees relates to it. This is false and unethical especially during COVID19. They said they are reversing my refunds again Monday.

Company response to consumer: Closed with explanation