BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX RE : Late Payment Removal Balance : {$440.00} This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the Fair Credit Billing Act forfeits any right to collect from the obligor This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 

I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v. Union of India. XXXX  Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your company policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent y consumer credit reputation from receiving further harm. 

I am keeping careful records of all correspondenceor lack thereof- made via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication. 

Sincerely, 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 2023-04-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2023 XXXX XXXX XXXX american express card reference number XXXX first i filed a complaint with cfbp next i will call XXXX  to alert the company of possible fraud on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: TD BANK US HOLDING COMPANY
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:
Hi my name is XXXX XXXX XXXX writing regarding identity theft that occurred.I was recently checking my credit and found account that don't belong to me.I tried to fix information with credit bureaus and some creditors.I found out that some creditors have incorrect information.Fraudsters used my previous address and apply for cards and I sent them proof ( rental agreement ) that from X Day to X day I was living in this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: U.S. BANCORP
State: MA
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:
On XX/XX/18, a transaction in the amount of {$5200.00} was charged by a company we hired to install a whole house generator. The company took the money and did not do any of the work. We disputed the charge with our credit card company who immediately refunded our money while they investigate. They asked for a statement which I provided. They denied our dispute, stating we " received the services represented by the transaction '', which is entirely false. We appealed their decision, only to be told that we did not provide proof of our claim. They are asking us to prove a negative. We have to prove that we DID NOT receive the " services represented by the transaction ''. We asked them for their proof on how they reached that decision, and we were ignored. Any help would be greatly appreciated.

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 2023-05-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
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:
Subject : Urgent Request for Immediate Removal of Fraudulent Hard Inquiry from XXXX Credit Report Dear CitizensBank, I hope this message finds you well. I am writing to bring to your immediate attention a grave matter concerning a fraudulent hard inquiry that has appeared on my XXXX credit report. This unauthorized and unverified inquiry is not only inaccurate but also indicative of potential fraudulent activity. In light of this serious issue, I respectfully request your urgent action to remove this fraudulent inquiry from my credit report, in strict compliance with the Fair Credit Reporting Act ( FCRA ). 

Upon a careful review of my XXXX credit report, I discovered an XXXX  hard inquiry recorded on XX/XX/2023. I want to emphasize that I have neither authorized nor initiated this inquiry, and it is essential to address this matter promptly to safeguard the integrity of my credit history. The presence of fraudulent activity on my credit report can have severe consequences, including financial harm and reputational damage. 

As a consumer protected by the FCRA, I hold the right to accurate and reliable information on my credit report. It is crucial that any fraudulent or unauthorized entries be thoroughly investigated and promptly removed to ensure the integrity and validity of my creditworthiness. I kindly request your immediate attention to this matter, conducting a thorough investigation to identify the source of this fraudulent inquiry and taking all necessary steps to rectify the situation. 

I urge you to treat this matter with the utmost urgency and to prioritize the removal of the fraudulent hard inquiry from my XXXX credit report. I expect your full cooperation and adherence to the FCRA regulations in ensuring the protection of my consumer rights and credit worthiness. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution to this issue and would appreciate timely communication regarding the actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Avadyne Health Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this agency multiple times in an effort to validate a debt that does not belong to me. This company has failed to provide accurate documentation. A bill summary does not validate this debt. I also believe that my privacy pertaining false medical history has been unlawfully accessed, I will not hesitate to file a XXXX complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
AMENDED COMPLAINT : Just received vital information from my bank 's archives division proving this purported non-payment in XX/XX/XXXX. Please see attached. 

I've been receiving late fees from Infiniti Financial Services for well over a year without my knowledge. Since I financed this car on XX/XX/XXXX, my loan account has been set up with an automatic payment of {$590.00}. In recent months in XXXX, an XXXX agent recently informed me that I'm almost {$1500.00} in arrears since XX/XX/XXXX. When I pressed him for further information, he said that although they had been collecting monthly payments, they had been applying them to the prior month and charging late fees because my first payment had been rejected. I questioned why they didn't simply notify me of these difficulties back then via phone, email, or mail so I could confirm the payment as opposed to allowing fees to accumulate over a year. What dates did you, XXXX, send any late correspondence, I then asked? Who gave you, XXXX, permission to simply use my monthly payments for the prior month without notifying me? XXXX 's representative accused me of neglecting to check my online account more frequently. Why would I research something when I already know I'm making monthly payments through my bank? As it turns out, my bank account balance was more than sufficient to make the first payment and wasn't in default back then and still in current. Attached is all my XXXX statements that shows I paid the initial XXXX payment with ample enough money in account to cover the full amount, in opposition to what IFS is stating. With so many unfair, fraudulent late fees, my credit score has plummeted, and XXXX isn't doing anything to help me resolve the problem that they deliberately caused. Due to their lack of accountability and communication, my credit is severely damaged with the three ( 3 ) bureaus and now, I no longer want this vehicle. Please assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: ACIMA CREDIT, LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Investigation took more than 30 days

Complaint:
I put in a dispute was put in with Transunion on XX/XX/2023. I didn't receive the results of the investigation after 30 days. I then filed a complaint with the CFPB on XX/XX/2023 stating that Transunion was in violation of FCRA. The results were supposed to be updated within 15 days which would have been XX/XX/2023. I'm now filing a second complaint with the CFPB because it has been 24 days and i have not received results.

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 2023-04-20
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:
I reviewed my consumer file and there are several collections on my file that I have no knowledge to why they are reporting on my consumer file. This is Identity theft and I would like them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Self Financial Inc.
State: MT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
6 months ago i emailed self lend i needed to hold on a month before i deposited more into the savings. i then ran into the covid 19 issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as XXXX XXXX. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that XXXX XXXX   obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX  XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be XXXX enough to sell the same debt twice. Accordingly, I claim identity theft by XXXX XXXX from either XXXX XXXX XXXX or from XXXX XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with XXXX XXXX   went nowhere, where this fraudulent company stated to the bureaus that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, Equifax and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from XXXX XXXX, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
4 Duplicate accounts are showing for Dept of EducationXXXX and US Dept of Education I am 100 % totally XXXX Veteran who has receive loan forgiveness but the duplicate accounts of my credit report for the same exact thing. Also the account status is incorrect US dept of education reflects with all three bureaus Student loan assigned to government, Paid collection Student loan perm assign government Student Loan Permanently Assigned To Government Dept of educationXXXX all the bureaus reflect Account closed due to transfer

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 2018-10-09
Company: BMW Financial Services NA, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
-XX/XX/XXXX, I leased XXXX XXXX XXXX, lease terms 3 years and XXXX miles per year. financing company was BMW financial. lease ends on XX/XX/XXXX -XX/XX/XXXX, prior to my lease end, I entered into another lease for another XXXX XXXX XXXX, lease terms 3years and 15K miles per year. I have used BMW financial " pull ahead program '' which stated the following, BMW will " waive '' the last 3 payments and the lease disposition fee if I rolled my lease into another BMW. At that time I only had 2 payments left. 
-XX/XX/XXXX, I received my end of lease statement with a balance of {$3000.00} which included the last 2 payments {$2000.00}. however the lease disposition fee of {$350.00} was waived as stated " pull ahead program ''. I have contacted BMW financial and paid my portion of the that balance {$960.00} and explained to them the mistake on the statement. I followed up with registered letter on XX/XX/XXXX to state the same explaining that I followed their program. 
- on XX/XX/XXXX I received a letter informing me that the " remaining payments have been covered by the pull-ahead program '' and that I have a XXXX balance -on XX/XX/XXXX BMW financial reported me to the credit bureau as late 30 days. I came to find this out last week when my credit was pulled for a mortgage application. I have never had a single late payment in my life so this destroyed my score and lowered it. 
- In short, I have done everything in accordance with the agreement I signed but because of BMW financial negligence my credit has been destroyed. it is wrong and this company need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 .The List of accounts below has violated my federally protected consumer rights to privancy and confidentiality under 15 U .S.C 1681. 

XXXX XXXX # XXXX XXXX # 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 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 follloowing 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 in accurate.

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 2017-11-09
Company: BB&T CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was the co-signer on a auto loan. The first party filed bankruptcy, I took over the payments. The company asked me to setup auto payments from my bank, but they put in the wrong information on the bank draft, used the first party 's name instead of my own, and my bank rejected two payments. They admitted to the mistakes, but refused to correct it or extend the missed payments because the first party filed bankruptcy. They want to re-possed the car. The missed payments were not my fault, in fact I contacted them several times asking for them to correct it before the payments were due.

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