BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I took out a loan to purchase tires through a local XXXX XXXX XXXX dealer in XXXX XXXX CA in XX/XX/XXXX. It is a 12-month no interest if paid off in that time period. XXXX XXXX has XXXX dealerships in 25 states and its XXXX. XXXX XXXX is XXXX, which in turn is 50 % owned by XXXX XXXX XXXX XXXX XXXX and 50 % by XXXX. 

The loan was made by Comenity Bank of OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity is owned by Bread Financial Corp. I have deal with Comedity before on a health care loan I paid off. Finding their street address is hard as they provide consumers with a XXXX XXXX  only. Customers are forced to communicate with low level call center agents who have responsibility but no authority. Bread and Comenity are blind lending institutions for the most part.

My complaint : Comenity requires that you only provide my checking account number and the routing number of the XXXX XXXX I belong to. I just received a receipt for a payment I made today. XX/XX/XXXX. The disconcerting information on that receipt was it contained the last four digits of both my checking account number and the last four digits of its routing number. This was a Big Red Flag to me. I had never received both personal numbers from any vendor let alone a financial institution before. 
I found the XXXX XXXX Directory which provides the Routing numbers of every financial institution in the U.S.Was not hard to find my credit union 's full routing number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know it's not rocket science to have criminal organizations get everything they need to break into my account let alone thousands of others. The Bank directory culls its data from the FDIC and the Federal Reserve Banks. XXXX The XXXX XXXX Directory has no corporate or government ownership information. They can only be contacted by email. Looks like a great resource for criminal syndicates to steal large sums of money to me. XXXX XXXX XXXX You have my email address, I have spoken to the Identity Theft Resource Center with much of this information. I trust that as a citizen the CFPB will look into this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with US Bank on XX/XX/XXXX with a promotional code of XXXX which based upon amount of direct deposit a promotional bonus was to be paid. I met this criteria in the first 60 days with XXXX XXXXXXXX in money direct deposited into the account. I called in early XXXX to ask why the bonus hadnt been paid and they said wait until XX/XX/XXXX and if it wasnt paid to contact them back again. I contacted them back again on XX/XX/XXXX and they entered yet another case this time and told me someone would contact me to ensure it was paid out. I filed a CFPB complaint and the reasoning stated that the reason the promotion was not paid was because the intended recipient was different than the person filing the complaint. I am the person filing the complaint, the person that opened the account, and the person for which the direct deposit was from. Contact information was provided by US Bank if I wanted to discuss further or get a further explanation and I left voicemails with them but no one has ever returned my phone call.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Account name : # XXXX. XXXX. XXXX, XXXX {$310.00}. XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX {$260.00}. Account name : #, XXXX Number XX/XX/XXXX Account name : # XXXX Bank XX/XX/XXXX {$280.00} Account name : # XXXX. XX/XX/XXXX {$95.00} Account name : # XXXX XXXX XX/XX/XXXX {$870.00} has violated my rights. XXXX5 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: IN
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:
This debt was paid in full as of XX/XX/XXXX of XXXX and house was sold. XXXX of XXXX they added a remark on my credit report saying collections account with {$0.00} balance. This is showing up as an active collection and I can not finance a home until this is removed.

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 2023-06-01
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Vehicle from original creditor, Bridgecrest ( XXXX XXXX XXXX ) was repo 'd in XXXX. I never received notice that the vehicle was sold nor what the remaining balance was after it was sold. Bridgecrest THEN sold my information without my knowledge to a third party ( XXXX XXXX XXXX ). The account has been reported as a charge off and NOT a repo. It was repo 'd and I do not have the vehicle in my possession. Also with the vehicle being reported as a charge off, the third party company is reporting it as an open collection account. How is it open, but reported as a loss/charge off? XXXX XXXX XXXX has also pulled my credit report on multiple occasions without my permission. They have also failed to provide me original documentation on the purchase of the debt and my original contract. Bridgecrest is a predatory loan servicer conducting illegal business and sells your information post repo after claiming a loss on their taxes. So they have also conducted tax fraud. Also in the month of XXXX ( XXXX ), XXXX XXXX XXXX falsely reported my account as 120 days past due. The vehicle was repo 'd THEN charged off in 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 2023-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
there are 2 accounts on my reports that I asked to be investigated but was never done. XXXX 's XXXX I disputed XX/XX/XXXX and XX/XX/XXXX status date shows XX/XX/XXXX -- -- XXXX XXXX XXXX XXXX I disputed XX/XX/XXXX and XX/XX/XXXX once again Status date show XX/XX/XXXX these account was never investigated and I would like them deleted. I will upload proof. Delete at once

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 2023-11-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I bought a XXXX XXXX  in XXXX, brand new with a 20 year XXXX mile warranty. Car had catylic converter replaced twice. Knocking sound started in engine around late XXXX, XX/XX/XXXX. Tool car to dealership in XXXX Ga. I was told it had a recall in the engine. I was asked to fax my maintenance records. I did so. They refused to go or warranty, leaving me to drive the vehicle till engine stopped. The vin # XXXX My vehicle was included in a class action lawsuit for the engines in these vehicles. 

https : XXXX XXXX XXXX  actually owes me money, yet they place negative information to XXXX, XXXX & Equifax as a bad debt, collection, charge off with a almost {$8000.00} balance. I the consumer was frauded by XXXX XXXX and I'd like for this to be removed from my credit reports. I have screenshots of mail I was sent by XXXX XXXX involving my vehicle in this class action lawsuit. Please investigate. Veteran of the armed forces. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The vehicle was sold and they still continue to report it on my credit report when they already collected the full amount and are making a false representation of an alleged debt that does not exist. Also the amounts in the different credit agencies are different, some say they finance one amount and the other says another. that's fraud. 

15 USC 1681 ( a ) ( 1 ) Truth In Lending Disclorures. I have the right to see the division of said credit transaction. Regulation Z, Regulation M After having sold the property and paying off the alleged debt, they continue to report it on my credit reports as if it is a real debt, making a false representation. 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Auto Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$35.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$9200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$26000.00} Highest balance

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 2023-06-01
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/XXXX XXXX my active business account with US Bank was accessed by the bank 's collections dept and a deduction of {$1800.00} was made, under claim that the bank was exercising the right of offset ; charging that account for an amount which they claimed was in default in connection with a previous credit card account with the bank which had been closed since XXXX 
My complaint, is that I did not receive any written, telephonic or electronic notice from the US Bank of their intention to garnish my current business account for a past credit card account that had been cancelled and closed in XXXX In a call to the bank to address this issue, on XX/XX/XXXX XXXX, US Bank disclosed that the alleged default resulted in a charge off sometime in XXXX. However, this fact was never communicated prior to that conversation. 
A Charge Off, means the lender or creditor has written the account off as a loss and that account is then closed to further charges and the bank is then able to to receive tax exemptions, adjustments, etc., in their efforts to offset, cancel or otherwise discharge the defaulted debt. 
I believe US Bank acted in bad faith, when taking money from my current business account without giving a fair notice of its intention to collect on the default it alleged. I never received any communication from the bank to address this issue, until receiving a XXXX extremely Urgent delivery the day after monies were deducted from the account. This clearly demonstrated that the bank had the ability to contact me about the default, but chose not to do so. This allows US Bank to arbitrarily impose immediate financial harm to my living situation, as they have taken what was in fact, my rent money. As a XXXX XXXX  now living in a fixed income which does not adequately cover my monthly living expenses, the bank 's action to collect have caused undue harm, when done without giving a fair notice and opportunity to address the issue while avoiding the severe financial difficulties I now find myself in.

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 2022-12-08
Company: Creditors Bureau Associates
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They keep reporting medical bills on my consumer reports and Ive notified them and asked for validation and Im not getting any results they keep saying it meets Fcra regulations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2023-05-18
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have made repeated attempts to access the assistance services that my lender advertises to me. They have the normal deferance, and they have a skip-a-payment program. I've called and talked to a couple of people over the last week, and they say they will send me the paperwork to fill out and submit, but they haven't sent anything, I call back, same thing happens. Meanwhile they have dinged my credit and add on fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
I had financed a XXXX XXXX XXXX through Credit Acceptance. I was involved in an accident last year XXXX of XXXX the car was paid off due to me having Gap insurance and left a balance of {$230.00}. I checked my credit and Credit Acceptance has still been reporting miss payments for 9 months. I called Credit Acceptance on XX/XX/XXXX to get this corrected and the rep told me that he had to report it as missed payments because it has a balance. My credit report is showing a balance XXXX rep stated I only have a balance for {$230.00}. This is false reporting and it has really affected my credit score due to them falsifying my balance and reporting it late when the account is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.

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 2023-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following inquiries are fraud. They are in violation of XXXX XXXX. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraudXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I was alerted to a collections account opened on my credit report by ProCollect Inc for {$340.00} owed to a company called XXXX XXXX XXXX XXXXXXXX, which is an apartment community in Arizona. I have never lived in Arizona or done any business with this company, and have zero affiliation to this apartment community. I do not owe this debt, and never received any communication from the apartment community or collection agency to inform me of a debt or seek to collect any funds. The first notification I received was simply an alert from my credit monitoring service that the collections account was opened. Also on XX/XX/2023, I immediately filed disputes with XXXX, XXXX, and XXXX indicating that this collection account was not mine. All three credit reporting agencies claimed to have verified the debt with ProCollect and closed the disputes. However, as this debit is not mine, I have no understanding of how it possibly could have been verified. I have no past history with this apartment community or any Arizona company for that matter, which can be verified by looking at my credit history and seeing no credit checks, leases, or reported addresses for this apartment community. There has been no attempt to contact me, but rather, just immediately putting this on my credit report, damaging my credit and reputation.

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