BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: Westlake Services, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello I purchased a car from us auto sale with no issues or hiding fees with my account. Never had an issue with making payments on or after my due date. West lake portfolio the company that brought them out is a rip off they are over charging my account for intrest and late fees and also for the payment to be drafted out of my account I contacted them about the problem and I was told that it wasnt a good time to discuss it. My payment are XXXX every two weeks but since the new company brought us auto sales out Ive been having issues with them since. In and reality Im not that much behind with my payments I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: AFNI 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:
To Whom It XXXX Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following accounts : AFNI , INC . This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, I AM NOT A CREDIT REPAIR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Affirm Holdings, Inc
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: MD
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2020-12-28
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/20, I contacted Shellpoint  Mortgage Servicing ( NewRez LLC ) to request a reversal of a NSF fee that was due to a banking error. ( The mortgage was ultimately paid in full in the month that the payment was due. ) Shellpoint  's response was anti-consumer. Their requirement was to ask me to engage my bank and request that the bank provide proof that the issue originated in a banking error. This response is anti-consumer because it requires further coordination of the consumer ( waiting on hold, multiple follow-ups with the bank and mortgage servicer ) from an event that was not the fault of the consumer. I believe this is an attempt to make it very difficult for the consumer to recover the fee even if the fee should ethically, morally, and/or legally reversed. This is even more anti-consumer because I did not choose to conduct business with this mortgage servicer, and in fact have had multiple issues with their level of customer service. My loan was sold to this company, which I would much prefer to avoid for the foreseeable future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I attempted to close my checking account with TD Bank that was opened approximately 2 weeks ago. I attempted to transfer the balance myself the night of XX/XX/XXXX and was locked out of my account and received a message stating that. 

I called on the phone and to either close my account or fix my account to be in a position to transfer the money to a functioning account I must enter into a branch which I am 10hrs away from the closest one and was given only that option. 

Obviously I cant do that and do not have the means to drive 10hrs to close my account and have the funds dispersed to which they said they cant do over the phone either along with being very stubborn. 

I just need my account closed and the remaining balance of {$120.00} sent in the form of a check to my residence which is different from which is on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
There is an inquiry in my credit report that I did not authorize and should be removed. 

an inquiry by SYNCB/ JCP credit card and travel/ entertainment companies on XX/XX/2021. should be removed from my account/ credit report. 

I contacted the company SYNCB/JCP to remove the inquiry but it still showing in my 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 2022-10-29
Company: EQUIFAX, INC.
State: MI
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, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
A loan application was made through XXXX lenders. Which I've now learned is Fifth Third Bank National Association, XXXX Program. During an internet search I'd found information leading me to your agency. It referenced a lawsuit being filed on behalf of consumers against Fifth Third Bank for hostile lending practices. Case : 1:20-cv-01683 Filed : XX/XX/XXXX. On or about late XXXX early XX/XX/XXXX I'd contacted XXXX  XXXX  XXXX, NY for replacement windows. During the initial meeting and rough measure, the salesman did an application for credit. It been a couple of months and I started to be billed by XXXX. I contacted them and asked why I was receiving billing statements? XXXX of XXXX hadn't even done the final measure on my windows. XXXX assured me this wasn't uncommon and I didn't want a record of late payments. So, I agreed to make the first few payments in good faith. This was before I learned what had happened at XXXX XXXX, NY. The entire branch in XXXX had left no one was employed for approximately two months after my initial appointment. They've are no longer an installer and are now service only. I never received windows nor do I want them. I never authorized any transactions be made using the XXXX " Shopping Pass. Yet, XXXX continues to bill me and now send Past Due Notice. The last dated XX/XX/XXXX threatening to report me to consumer credit agencies. I've filed complaints with the XXXX  and XXXX Attorney General 's Office. XXXX refuses to acknowledge my request even though they've been informed I don't have windows. I received letter from XXXX  informing me Champion XXXX, NY is no longer an installer and is a Service Only Branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, has violated my rights. 
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 an 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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX has deleted inaccuracies, items that report past statute of limitations, and incorrect personal information- HOWEVER! 

Transunion and XXXX WILL NOT follow suit with XXXX, my last claim they took almost 60 days. 

TRANSUNION and XXXX are reporting inaccuracies after I have made NUMEROUS attempts for them to fix it. 

TRANSUNION and XXXX are reporting items that are past their statute of limitations. 


XXXX - XXXX deleted in XXXX, but transunion and XXXX WILL NOT XXXX  - XXXX deleted in XXXX, but transunion and XXXX WILL NOT As well as inaccurate addresses and incorrect spelling of names/ relationships to people I have uploaded proof that XXXX has deleted items and transunion and XXXX continue to report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Fist I applied for multiple loans on line. FNB called me on XXXX saying I had been approved for a {$6000.00} loan for 5 years ( unsure ) at {$120.00} monthly payments and would that be beneficial. Yes. She stated because of my poor credit rate I needed insurance to prove I could payback the loan. She wanted {$200.00} on a Visa card. She gave me # to call when I had it. Next day XXXX I called but had the wrong kind of Visa. Wanted XXXX XXXX. Next day XXXX I called back. They wanted pictures of card, packaging and receipt. Sent. Money taken from card that day. No loan received. Refused to let me talk to loan department. Called daily many times and hung up on every call. Today demanded my {$200.00} back. And they continue to hang up on me. 
Please contact for details. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-02-09
Company: First Technology Federal Credit Union
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On Friday XXXX I went to close all my accounts because I do not believe my online banking was ever fixed when the {$250.00} fraud charge happened in XX/XX/XXXX and then I was supposed to get a credit on the XXXX well that did not happen. I got a statement saying I got one and it did not show on my online banking but it showed on their end. SO I left the XXXX in the account unwilling to pay the fraud charge and waiting for it to be adjusted in my online banking. We had many emails about why it was not showing up and what was the issue and they said they weren't sure but they were working on it and when it was finally added on XX/XX/XXXX for XX/XX/XXXX it did not reduce the amount I owed at allSo i said the hell with this and paid the money and closed ALL my accounts BUT for some GOD known reason the assistant manager DID NOT CLOSE my online banking. WHY she did not do this I do not know So on Tuesday my mom who took over the account that had her checking in it not my stuff and became sole owner of it ended up getting a call that there were 2 transactions from my online banking account trying to wire transfer money to some guy we don't even know for XXXX and XXXX. Not only that I had 2 other banks attached to this account because I would transfer money in to help pay XXXX credit card bill and they tried to wire transfer in XXXX money I dont have in an account. All because they did not close or shut down online banking the Friday before. Yes this could of happened if I kept the account but I was closing it because I did not feel safe keeping it and went in closing it and wanted it closed immediately ALL of it. Now I had to file a police report call my banks closed multiple accounts set up new ones as well as change every single one of my auto payments associated with my cards because you guys failed to do your job and close my online banking when I closed my accounts

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 2023-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I made an electronic transfer from my JP Morgan brokerage account under my name to my Chase checking account also under my name. I have made successful transactions between my accounts before. The transferred amount was successfully posted on my checking account on that day and was available to me. However, on XX/XX/2023, the transferred amount was entirely erased from both of my accounts. I called both Chase checking and JP Morgan investment regarding my accounts to resolve the issue. Both acknowledged they encountered a system error, but refused to credit the lost amount back to my account. Meanwhile, my primary checking account with Chase was hit with overdraft and incurred other financial losses to me because I am unable to withdraw my money from my Chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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 Account XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX XXXX Account XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2023-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had 2 credit cards with XXXX before they were sold off and transferred to citizens bank now they send me a letter in the mail that they decided to close them this is ridiculous against policy they were with another bank and Im a good customer they closed it claiming I never used them what do they care I dont deserve this treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently ordered my credit report and to my surprise there were unknown, names, addresses, phone numbers and charges on my credit report. This is a form of identity theft. Ive reached out to all three bureaus but no changes have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXXBalance $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXX-Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXXERVICING-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXBalance {$1700.00} XXXX XXXX XXXXXXXXBalance {$2600.00} XXXXBalance {$2600.00} XXXX XXXXBalance {$860.00} XXXX XXXXXXXXBalance {$460.00} XXXXBalance {$1000.00} XXXXBalance {$9200.00} XXXXXXXX XXXX XXXXXXXXBalance {$0.00}

Company response to consumer: Closed with explanation