BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: TN
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 and I am filing a complaint against Experian and XXXX XXXX XXXX XXXX XXXX. An inquiry ( listed below ) was placed on my consumer report without my consent. I filed an FTC report ( # XXXX ) and sent Experian a letter demanding they remove the inquiries. Still as of today the XXXX of XX/XX/XXXX. Approximately 2 months after the initial letter was sent, the inquiry is still on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Pursuant to 15 U.S.C 6802 ( a ) NOTICE REQUIREMENT Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 U.S.C ( b ) ( 1 ) ( A ), ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was not given this disclosure to opt out, and I am demanding Experian remove the above inquiry from my consumer report, immediately.

Attachments : the cover letter sent for Inquiry removal FTC report filed Green receipt from Experian I suggest Experian remove this inquiry from my consumer report before I take legal action.

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Transunion and XXXX XXXX/ XXXX XXXX have REPEATEDLY removed and reinserted inaccurate information about the Self Visa Credit Card account. Transunion is very arrogant about it. On XXXX I petitioned the XXXX XXXX XXXX XXXX to file suit against Transunion. I sent notice to Transunion. I did not, however, file suit against XXXX XXXX XXXX XXXX XXXX they sent me documentation that they were trying to get it removed. But this has been a sham of epic proportions. Because Transunion keeps getting the late payment verified as accurate. At this point I want justice. I will be suing XXXX XXXX XXXX XXXX Bank as well. I have tried for months to avoid this scenario. It was for nothing. These companies don't respect us as people despite the fact that they only exist because they sell human information. Imagine depending on someone for survival and convincing that same person that you depend on that they are merely in your way.

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 2020-07-30
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
starting last year I noticed that my vehicle finance company was showing me as missing and or being late on payments that did not add up. I sent inquiries via the email portal on their website and I never got a response. The information on my credit report is not accurate or up to date. The account is actually closed now " paid in full '' and it still shows me as having a balance on my credit report. When i contacted the company they claimed that everything is correct, but it is not. I have done the disputes through XXXX XXXX and they have come back the same and nothing is being done to correct the wrong information nor have they updated showing that the account is paid in full. I need help and or guidance on how to force them to update my account as paid in full, and remove some of if not all of the negative marks on my account and credit report since they never provided me with information showing when I was late or what payment I had totally missed ... I mean, if I had missed 18 payments on a vehicle ... it would have been repossessed. The name of the company is Credit acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 Equifax received Affidavit of Truth, Invoice and Cease and Desist. Attached please find proof of delivery. On XX/XX/2021 Equifax closed the dispute. Equifax has failed to answer and respond to each of the Facts stated in the Affidavit of Truth. Equifax has failed to pay the Invoice to compensate me for every consumer right violation. And Equifax has failed to comply with Cease and Desist against XXXX XXXX by not deleting this account. XXXX XXXX is to cease desist all communication with me through any and all mediums. A consumer report is in fact a medium. Which means it is a communication. To comply with the Cease and Desist this account needs to be deleted. By Equifax continuing to report this account it is a indirect communication and violation to my Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: GA
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 an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good day In XX/XX/XXXX I applied for PMI deletion. 

Bank of America home loans sent a letter stating it would take ten days to hear from an agent after receiving a fee for a property valuation. ( See letter attached ) and a total processing time of 13 days. 

On XX/XX/XXXX Bank of America sent an email stating it would take XXXX days before I heard from an agents. See attachment On XX/XX/XXXX, the same day Bank of America stated it would take 10 days. Bank of America on the same day ( XX/XX/XXXX ) Bank of America sent a letter contradicting what the previous letter and email stated. 

See attached. Bank of America is now saying the processing time could take up to 21 days and to get a property evaluation it could take longer than ten days. 

At this point Bank of America is making up new rules as they go along. 

Adding and changing the rules is unfair to the consumer. 

The consumers need protection from these bad business practices

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2018-11-14
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This company has destroyed my credit as well as my fathers. I was so young and XXXX when I signed for these loans. For years they tell me I still owe the same amount!! Ive been told lies a lot!!!! They are now harassing my house and my parents. I might gather all phone records and sue because this is causing myself to have majorly XXXX XXXX. The amount they want me to pay monthly is not doable and they say there is nothing that can be done. I want even having them take money out monthly and they were raising the payments that they would take out of my account with out my knowing!! Navient can rot for all I care. How I still owe the same exact amount is extremely shocking and I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Cedars Business Services, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received written notice from a company, Cedars Business Services, attempting debt collection for my deceased parents from a health services company, XXXX XXXX XXXX XXXX, they never incurred debt with. I reached out to the company attempting to collect and advised there was no such debt and I suspected this was a fraudulent attempt to collect money. I asked for information on the company claiming the debt was owed and advised my parents were deceased. The company representatives were unwilling to share information with me. My father was recently deceased, and my mother was mentioned in his obituary. I am concerned this was fraudulent attempt to collect a debt not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CREDIT ACCEPTANCE CORPORATION
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got this loan back on XX/XX/XXXX I have had nothing but problems I only missed one payment but I got caught up it's been since covid-19 had back in XXXX well I ended up losing my job due to covid I kept telling them and missed payments everything I kept in contact with them they were very rude they would call my phone 24/7 non-stop from XXXX XXXX to XXXXXXXX XXXX seven days a week never stop leaving voicemails everything well a month ago I paid the car off which is fine but the point is is the harassment and the late fees and then disabling my starter so I couldn't get anywhere to get money to pay my car it was just I need to know I need to let people know what kind of company this is there are harassing company they are very rude they had no remorse or anything with it for what they had done well I'm a credit report now it's a set of clothes and don't say that I paid it off in full couldn't put nothing positive on my credit report damn all the days I was late on there so yeah it's making me look bad due to covid-19 making a very bad hardship on me

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 2021-08-04
Company: Barnhall Financial Services, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I financed a cad through Barnhall Financial Services Inc. and my payments that are always on time are not being made to the credit bureau.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I opened a saving account with Chase Bank. The account was opened with the intention of receiving my retirement payment. On XX/XX/XXXX, XXXXI received a letter specifying the cancellation of my account. The letter did not explain the reason my account was cancelling, the letter has no signature or person responsible of cancellation. On XX/XX/2021 I called to Chase customer services, and after I was transferred twice, no one was able to explain it. So, next day XX/XX/2021 I went to the Chase branch were I opened my account. I was told that it was a decision made by Corporate office, nothing else. 
I feel discriminated, maybe because I am XXXX or for the small amount of {$300.00} used to open my account. 
Now, thanks to chase, I have to go to different bank to open a new account, call social security department, and start the process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Once again, my credit file has been corrupted with false and defamatory claims of debts I do not owe, which have been made against me without any prior notice, or any other legal process whatsoever. The purpose is to damage and destroy the quality of my life by inflicting financial harm against me causing my current FICO Score to plunge overnight from XXXX to XXXX, and credit applications once routinely approved are now being routinely declined. Each day the result is my direct loss of significant income and opportunity, at great personal cost with constant turmoil and unneeded stress. 

The reason these false claims of debts have been included in my credit file is to extort payment from me for money I do not owe. In order to remove the false information from my credit file, and cause the false lower FICO Score to be restored with my legitimate higher FICO Score, I am being coerced and extorted by both TRANSUNION and the fraudulent creditor ( s ) for immediate payment so that I may obtain immediate relief from being declined an extension of credit at the time I need it the most. 

My credit applications are now being declined each day due solely to false claims of debts not owed, by fraudulent creditors misuse and abuse of the national credit bureau reporting system, in concert and support with TRANSUNION. TRANSUNION permits false and fraudulent information into the credit bureau reporting system in order to cause credit problems for consumers, and then uses coercion and extortion to force those same consumers into a TRANSUNION {$19.00} per month credit repair subscription service for all eternity, to remove the very same credit problems caused by the false and fraudulent information permitted by TRANSUNION. 
In addition, at the suggestion of my Bank, steps have been taken to protect both my funds and accounts from continued unauthorized withdrawal by the very same fraudulent creditor ( s ) acting in concert with TRANSUNION.

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 2023-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, Credit bureaus keep disrespecting the laws. I showed them multiple times how they violated the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ), the credit bureaus dont have any written permission. 

According to 15 USC 1681, I have the right to privacy. 

According to 15 USC 1681s-2, 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this ; please help me in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/28 I submitted a payment to XXXX XXXX via my Citibank XXXX Acct. I also have a personal checking acct. The personal acct was negative at the time due to Citibank letting a fraudulent charge go though in XXXX which I fought. On XXXX the payment was completely processed and received by XXXX XXXX which I have evidence. I had a balance of XXXX available still AFTER the payment was sent to XXXX  XXXX. Citibank then overdrafted my account {$170.00} which made the joint account negative. I was threatened by a supervisor at Citibank that they would take the money back from XXXX XXXX if I didn't put more money in my account today. 

I was also told they " don't care about XXXX  XXXX and if I receive NSFs from them, it's not their problem '' per the supervisor.

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 2021-08-04
Company: CITIBANK, N.A.
State: PA
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 have a loan with DSNB MACYS. I have always made my payments on time. I am requesting for a complete payment history of my record, but I have not received any of its kind. I have been contacting XXXX, XXXX, and XXXX  and DSNB MACYS with no successful resolution. There was definitely an error on their part.

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 2023-02-02
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted the credit bureau on XX/XX/2023 and was informed my prior FTC identity theft report was not being considered for my dispute. Identity theft report was on file from previous dispute when items were previously deleted. Requesting to have items blocked due to identity theft per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: JPMORGAN CHASE & CO.
State: OH
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:
Failure to validate a debt from Chase bank. Failure to fix all inaccuracies on report such as date opened and date of last payment. I have requested validation several times from this company and have not received it. The account has been updated but not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened the account for a bonus with the requirements of depositing {$1500.00} within 30 days and doing XXXX transactions within 90 days. I completed both of these and the company is refusing to pay out. they are claiming that the promo code was not attached so they don't have to pay

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