BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Social Finance, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened this account on XXXX under a set of promotions listed on this website https : //partners.sofi.com/creditcard-mg-1/ ( operated by the bank in question - SoFi.com ( I have attached a PDF ). I have met the requirements for the 3 % rebate on all credit card purchases and also for the XXXX bonus as I have now charged XXXX {$1500.00} on the card. I have emailed them on separate occasions on XXXX, XXXX and XXXX to inquire about these two promotions, as well as two phone class to their support number. Today ( XXXX ) I received a email stating I would not get the 3 % because I did not go through a link on XXXX, although this link I used is publicly posted on many consumer websites, is still active, and goes directly to a sign-up at XXXX, so the bank is using it to recruit new account-holders, and apparently refusing to honor the 3 % or the XXXX. To their credit, they have posted XXXX to make up for not honoring the 3 %, but I still believe XXXX needs to honor the XXXX promotion. Again, this is the link I used : https : //partners.sofi.com/creditcard-mg-1/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: OH
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:
Upon reviewing my recent credit report, I noticed an inquiry from XXXX, XX/XX/2022, XX/XX/2022, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX 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.

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 2023-05-16
Company: Experian Information Solutions Inc.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to 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 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 and on the credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. The following account is not mine, I did not open it, and I am not a debtor : 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 non-monetary relief
Consumer complaint received 2020-10-04
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Over a year ago I took out a payday loan from Speedy Cash, which was the start of an onslaught of predatory lending from several other payday loan lenders. I was in a Financial crisis because at the time my girlfriend was battling XXXX XXXX, and she has XXXX children that she was unable to take care if as well as herself. I was the only one that could so my work hours were drastically reduced and I was left with only the choice of payday loans that Left my finances paralyzed and in a state of paralysis. It didnt matter if I paid the balance down every paycheck because Speedy Cash would charge a finance fee that was the same amount as my bi-weekly payment. I was drowning and I could find no relief. Eventually I had to change banks because my bank had become so overdrawn I couldnt even afford to drive to work an hour away. I paid what I borrowed in excess and pleaded with Speedy Cash to accept that as payment in full but suffice to say my pleas were unheard and sent to collection. I have spoken with the debt collector Ad Astra they call me consistently and threaten me with police charges but I am no better financially than I was a year ago, I was furloughed from work since XXXX and XXXX am only now being allowed back to work. Luckily my girlfriend has made a full recovery but had to undergo major XXXX which will leave her XXXX for the remainder of her life. It has been a rough road and it is criminal that Lending has become so savage and predatory they are the ones that should be investigated but it seems that when one goes away another appears with the same deception and last resort deal with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello I have been a customer of bank of America for over 2 years and 5 months ago they closed all of my accounts plus 4 credit cards 2 personal and 2 buisness and said after months of them saying we get back to you as to why saying they need 45 to 60 days for the investigation which they were doing nothing never been late on any payments always had money in my checking accounts and finally when I went to the branch to get answers as to why the banker said because of my race that I am XXXX and that's discrimination and illegal in America and was told there is a lawsuit going on because of bank of America closing accounts because of race particularly being armenian which is horrible to experience that and would like it if you can help me resolve this issue 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 explanation
Consumer complaint received 2023-08-03
Company: Westlake Services, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Westlake financial permitted the financing of a XXXX XXXX XXXX l which in many respects was like my dream car I was able to finance at {$5000.00} I have been absorbing a payment for approximately 2 years for which I have fell victim to reposition not only once but twice now after 2 weeks of having the vehicle I had to do a service for the gaskets on the motor for which I went back to the dealer who sold me the vehicle who then did the job himself physically there at the dealership which he said he was permitted to do later I found out that was actually not supposed to happen at all like that I contacted the lender pertaining to this which was was like financial Westlake financial was supposed to do an assessment on the vehicle after it was purchased to ensure everything was functional on the car for which they did not during that time I was forced to do maintenance on that motor totaling over {$6500.00} from absorbing the expense of the maintenance it became difficult to absorb that and the payment it made it difficult to pay both payments intern falling victim to repossession once having the vehicle drug for more than 30 ft by a tow truck then in turn did further damage to the vehicle I then informed the lender for which they gave me no response whatsoever right now I'm currently repossessed than it is in their possession they're requiring that I pay approximately {$1800.00} in order to get the vehicle back I really have a desire to pursue them in other manner because the way that the repossession occurred they even made contact with my other car that was parked next to it which I can prove via video for both repossessions repossessions to show where the damage was incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I received a collection notice from Account Resolution Services, stating that I owed a debt that I did not recognize and was informed I had 30 days to dispute the validity of the debt. On XX/XX/2019 I sent a debt validation letter, requesting information on the original creditor, including but not limited to -- name, address, amount owed, and a copy of the original contract. On XX/XX/2019, I received a response that I deemed insufficient. On XX/XX/2019, I sent another debt validation to Account Resolution Services, since I do not owe this debt. The responded XX/XX/2019, and again, the details they provided were inadequate. They have failed to provide sufficient documentation that this debt is mine, namely they have not been able to provide the original contract. I have contacted the three credit bureaus to dispute this debt and would like you also to be aware of their lack of cooperation regarding this matter.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute certain inaccuracies present in my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Original Creditor : XXXX  The account labeled as XXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$1300.00} The account labeled as XXXX XXXX with Account # : XXXX is not associated with me, and I respectfully request its removal 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 explanation
Consumer complaint received 2022-10-10
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:
My name 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: NJ
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus have to 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 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 and on the credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. The following accounts are not mine, I did not open any of them, and I am not a debtor : XXXX XXXX XXXX ( XXXX ) and XXXX XXXXXXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: AZ
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:
Credit bureaus adjustment was sent by loan company to credit bureaus on XX/XX/2020 however they did not report to my credit until XX/XX/2020. My credit bureaus are still saying I am delinquent when I am not. I was in deferment and still am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
My name 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 2022-11-19
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-28
Company: Experian Information Solutions Inc.
State: NC
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:
Alleged Account With XXXX ( Alleged Account XXXX XXXX ) Needs To Be Removed From My Credit Report As We Received A Loan Verification Letter From XXXX Stating That Loan Status Is Paid In Full. Letter Will Be Attached To This Complaint. Experian Needs To Remove This From My Credit 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 2020-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had a credit freeze with Experian. To refinance my loan I unfroze my credit using their website tool and it worked without an issue. 

After the refinance was complete when I try to refreeze my credit report with Experian, their website gives me a very hard time to use the freeze tool. Instead they're trying to push me to purchase their " credit lock '' product. When I try to freeze my credit, the website takes a very long time to respond at each step which caused my browser to either timeout or look like something is wrong. At one step it took over 3 minutesthat it felt like something is very wrong which makes it frustrating/difficult for the consumer. Basically they're making it hard for the consumer to use the credit freezing tool and push them towards pushing their premium product by making it difficult, painful and almost impossible to use their online credit freeze tool. 

This is harassment and violation of the federal law to allow me to easily freeze my credit. This is only specific to Experian and I've no trouble freezing my credit with the other agencies, all of which took me less than 10 seconds to complete. The Experian website and other services/tools respond instantly, they've intentionally slowed down the freeze tool only to push people to purchase their alternative product.

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 2018-09-15
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a letter stating that my interest reduction rate time period was up and to call to re-apply. When I called on XX/XX/18 I was informed that since my reduced payment was within {$50.00} of the regular payment, I do not qualify for a reduced rate. I was also informed I do not qualify for a forbearance or any other type of payment reduction, payment hold plan. This company has been a nightmare to work with from the start. They have taken payments from my and my cosigners checking accounts without permission, they have over charged, under charged and changed payment terms with no notification to me or my cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need help. I want to report that Cavalry Portfolio Services is committing multiple violations to the Fair Credit Reporting Act and this is hugely affecting me. 

I want to mention two serious violations : 1. Reporting an incorrect opening date 2. Charge-off interest. 

Damages : legal advice expenses, not being able to obtain loan, emotional stress. 

Please forward the attached documents to Cavalry Portfolio Services , LLC. 

Thank you so much, CFPB.

Company response to consumer: Closed with non-monetary relief