BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: BANK OF THE WEST
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We, XXXX XXXX XXXX, have facilitated a consumer lease buyout for a customer through Bank of the West. We dropped off payment at our local branch XX/XX/XXXX. We first began calling regarding the title XX/XX/XXXX, since that date we have completed 5 calls each with a hold time of 45-57 minutes. There were 2 additional attempts at contact, but we had to disconnect due to the extended hold time. We have spoken with 3 different individuals, but have spoken with XXXX, employee id # XXXX, the last two times ( XXXX and XX/XX/XXXX ). 1st call- We have been lied to several times : told the title was an electronic title and it had been requested-it is not and never has been. It is a paper title since orientation. We were told it had been mailed to a branch in XXXX, it was not. 2nd call-I was told that title was requested and that I would receive a call within 24-48 hours. I did not receive a call. XXXX My associate called and asked to speak with supervisor, we were given XXXX. He advised that title would be sent XXXX and that we would receive a tracking number by Monday at the latest. XX/XX/XXXX I called in and asked to speak with a supervisor. Again I was given XXXX, I vented my frustrations, was told that he was unaware of the situation, so I then reminded him that he, in fact, was the last person we spoke with. He then told me that the title was in notary status and I advised that Nebraska titles do not require a notary and had not in over 25 years. I advised him that he had lied to me and that I had caught the bank in several untruths. I asked to speak with his manager and was told that there wasn't anyone else to speak to. I advised him that I would go to our local branch and at that point he told me that there was a manager that he could leave a message for and that it would be a 24-48 hour call back time. Upon ending the call I did reach out to the local branch, but it was closed. I called the customer service line for checking, gave the supervisor there, XXXX id # XXXX, the information for XXXX and he advised that he would also send a message to XXXX 's manager. At this point it has been beyond 30 days since payoff. My customer has assessed DMV penalties and is unable to drive their vehicle legally.

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 2023-03-20
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft as a result of the Equifax data breach that took place from XX/XX/2017 to present. As a XXXX, this incident has cost me countless opportunities for funding and assistance due to Equifax 's negligence. 

The Equifax data breach exposed my sensitive personal information, including Social Security number, Driver 's License, birth date, and address etc., This information has been used by identity thieves to open fraudulent accounts, make unauthorized purchases, and damage my credit score. 

As a result, I have faced significant financial losses and difficulties accessing financial aid or loans. The consequences of this identity theft have had a major impact on my life, making it difficult for me to pursue my educational goals and causing me unnecessary stress and hardship. 

I have spent countless hours trying to repair my credit, made numerous phone calls to financial institutions and credit bureaus, taken classes on identity theft prevention, and spent significant amounts of money on identity theft protection services. Despite my efforts, I will forever need to look over my shoulder, constantly worrying about the possibility of further identity theft and its consequences. 

As a student, this experience has taken a toll on my mental health and has created additional stress and hardship. It has caused me to miss out on important opportunities for funding and assistance and has made it difficult for me to focus on my studies and pursue my educational goals. 

The Equifax data breach was a result of the company 's negligence and failure to protect the sensitive personal information of millions of people. As a victim of this breach, I demand that Equifax takes full responsibility for its actions and provides me with the necessary support and resources to help me recover from the impact of this incident. 

The time, effort, and financial resources that I have had to spend in order to repair my credit and protect my identity are a direct result of Equifax 's negligence, and I expect the company to take responsibility for its actions and make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for the loan online and was approved for XXXX. XXXX of this loan was to pay off one of my creditors and they sent that money to a creditor I don't even have. Now I've been dealing with trying to call and get all this situated on a XXXX loan that I'm still missing the XXXX but paying the full XXXX amount term and payments. Plus, I'm having to pay the original loan off that Upgrade was suppose to pay off because they sent the money to the wrong creditor. Now I'm being punished and told to be patient while the banks try to resolve the issue and get the funds back to their bank so they can reissue the funds back to me. It is going on almost a month now and I've been getting the run around about Upgrade waiting for the funds from another creditor being returned to their bank so they can return them to me. In this day and age, I find it unfathomable to get a credit back from a bank in 7-10 days NOT 30 and counting. I will NOT every be using this company again and will let others know of how inconvenient this whole process has been and the run around they will get also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: FL
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:
BASED ON 15U.S CODE 1681A, XXXX XXXX USE INFORMATION ON XX/XX/2017 AND XX/XX/2017 WITHOUT MY WRITTEN CONSENT I HAVE ASK THEM NUMEROUS TIMES TO REMOVE LATE PAYMENTS FROM MY CREDIT REPORT BUT THEY CONTINUE TO BREAK CONSUMER LAWS.

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 2023-01-01
Company: LoanCare, LLC
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been sold several times since our purchase of the home in XX/XX/2022. The last payment we sent in XXXX was to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX. My point of contact at XXXX XXXX Mortgage has been XXXX XXXX. On XX/XX/2022 I received a letter from XXXX XXXX XXXX  stating my loan had been sold to XXXX XXXX XXXX and to send payments to XXXX XXXX XXXX XXXX XXXX, VA XXXX. Also on XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX stating they want my payment and to mail it to XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; Payment due XXXX XXXX. I immediately picked up the phone and called XXXX XXXX to ask if the company was LoanCare , LLC or XXXX XXXX XXXX XXXX XXXX. I got her voicemail so left a detailed message and asked her to call me back. I called XXXX again on XX/XX/XXXX, and once again got her voicemail. I refuse to send a large mortgage payment to an unverified source. Please help me determine who is the owner of my loan and where I should direct my payments.

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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite sending FTC reports, police reports, notarized documents and filing disputes, and then hiring a credit repair company, all three credit bureaus and several creditors are still reporting fraudulent information and have not removed the items. Please see attached supporting documents that explain the situation, and the accounts in dispute. Complaints are being filed against both the bureaus and the creditors. This has been going on for years and it is extremely damaging to my credit and is costing me money to fight it. I want the items removed immediately. FTC and police reports attached.

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 2021-10-27
Company: EQUIFAX, INC.
State: FL
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:
MY NAME IS XXXX XXXX MY DATE OF BIRTH IS XX/XX/XXXX AND TODAYS DATE IS XX/XX/XXXX am filing this complaint myself without any help of a attorney or credit agent I'M WRITING THIS COMPLAINT BECAUSE I previously notified Equifax that I am a victim of identity theft, and requested that Equifax Close the unauthorized account AND Take steps to remove information about this fraudulent account from my credit files AND BLOCK IT FROM RE REPORTING I SENT IN A COPY OF MY FTC REPORT WITH MY POLICE REPORT ( 103 true Identity theft ) I'm a member of the Equifax data breach & have filed my claims accordingly i have been attempting to clear my credit report of these fraudulent items XXXX XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Date opened XXXX XXXX, XXXX IVE BEEN CONTACTING Equifax SINCE XXXX THEY HAVE FAILED TO DO A PROPER INVESTIGATION INTO THIS MATTER These fraudulent debt is hindering my ability to apply for credit or even get a first time credit for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX Unfortunately the CFPB platform does not allow to send a resply message. I received your response but you could have attached a phone number so I could contact you directly. 

I understand you have given me the money on goodwill basis but I didnt ask for goodwill money. I wanted to have the money coming out from XXXX XXXX pocket and not from AMEX pocket. 

That brings me to the next point which is you mentioned It is important to note that although credit was issued, your dispute was handled correctly according to all applicable consumer credit laws and policies. Unfortunately the dispute was not handled correctly. The dispute went to merchants favor based on law of torts. But the dispute was based on contract law and not law of torts. 

Do you have ACTUAL lawyers working in your back end disputes department? Doesnt look like it. 

Anyway, the reason for this new complaint is NOT TO LODGE COMPLAINT but basically to get a phone number I can talk to about the previous complaint. I had no other means to contact you. Because your regular front line customer care number, they dont know nothing about it. They always say its handled by some back end team ( who I guess are scared to come front or just not bothered to talk to the customer directly ). I wish they spoke to me, then I could teach them the difference between tort law, consumer law and contract law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have two XXXX accounts for XXXX XXXX and XXXX. Both accounts were advertised as XXXX interest during the Covid shut down, and were opened in 2020. However, the billing dates are unclear. Each bill has a different due date. All bill notices are sent the day after the due date. Often, I pay the bill twice in one month only to be charged a late fee. Clearly, the goal by Synchrony is to charge fees, by creating confusion about when the bill should be paid, while advertising zero interest. Please address this matter as it creates usurious and predatory billing. Thanks.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: VA
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 explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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 privacy and confidentiality under 15 USC 1681.

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 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 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 2023-06-03
Company: Experian Information Solutions 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: 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 privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # 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 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 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 explanation
Consumer complaint received 2020-08-11
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:
To : XXXX XXXX  Dispute Equifax  RE : Dispute Re : Account # XXXX Dear Representative : I am writing to dispute the account referenced above. I have disputed this account formation as being unverified and inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the XXXX myself and have been unable to get them to respond or to verify that this is indeed my debt WRITTEN PROOF. The credit bureaus have not been provided Proof that this debt occurred and was caused by me. You have not provided proof that this debt occurred and was signed by me. It is in the best interest of the Law and Credit regulations to remove this from my credit rating otherwise without proof of verification and valid proof this has to be removed from my credit report at once. Failure to Provide evidence that may be used to established fraud which I have stated. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to XXXX. The credit Reporting agencies do not have proof that this debt is valid. I do not have proof. Delete ITEM as it violate Fair Credit Reporting. 

The FCRA requires you to verify the validity of the item within 30 days or remove it. If the validity can not be verified you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

1. Please provide my written signature or valid proof that what your claiming is in fact my account. 

2. Please dont simply state verified, please provide me written proof Per FCRA that this dept is valid. 

3. That the debt you say I owed and this account was setup, funded and used by me while I was XXXX. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item which I have researched and determined does not belong to me, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my own area. Furthermore, I believe my local news reporters will find this refusal on your part to comply with the law very interesting. 

While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
This is a multiple request to remove these unathorized inquiries from my XXXX and TRANSUNION credit report... 

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