BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: SC
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. 


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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: AMERICAN EXPRESS COMPANY
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:
XXXX-Disputed for balance of XXXX but didn't remove XXXX XXXX Disputed for balance of XXXX but didnt remove XXXX XXXX-disputed balance for XXXX but didnt remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: 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. 

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 has violated my rights. Or list of inquiries 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 2019-05-14
Company: Santander Consumer USA Holdings 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:
On XX/XX/2019, I mailed a certified letter to XXXX XXXX for validation of the auto account stating I owe {$21000.00} they placed on my credit report, which does not belong to me, I never open this account with them, its been over 120 days and no response back from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am contesting any information on my credit report that is not true or documented accurately by the credit bureaus. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, Experian, XXXX, XXXX must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated 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 2019-05-14
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid the property tax on XX/XX/2018 according to my statement and my regular installment was paid on XX/XX/2018. 
The Leasing company has been sending me bills saying that the total amount due is {$0.00} and when I contacted the billing dept on XX/XX/XXXX. I spoke with XXXX in customer service ( Finance Dept ) as per her I don't owe any payments this month. 
When I asked for Clarification, The taxes were applied to the monthly installment and I don't owe them anything. But the taxes are still due, I never received any statement or letter from them saying that my taxes are pending. 
When I asked them to correct this error, she said that this can not be done. 
If I my taxes are due, I should get a letter from them which I never received anything. 
They should at least fix my account and let me have my concise monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: MS
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: WELLS FARGO & COMPANY
State: WA
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:
Wells Fargo is inaccurately and unfairly reporting to credit bureaus and causing further debt entrapment to their customers. 

During the lockdown, I requested my loans be entered into a forbearance XXXX and I entered again from XXXX. WF did not communicate limits to this and subsequently removed them from this status resulting in 30-60-90 day late reporting. Again, no limits had been communicated to me or my co-signer, despite me making an additional request in XXXX to extend. 

When I inquired when/why these changes places to place, it took speaking to the XXXX to get an answer that wasn't " you need to pay these to bring them current ... that's all we know '' and I waited an additional 15 days to be told they had no intention of acknowledging their lack of compassion, communication, or damage to my credit report. In addition to catching them rack fees in my account and being issued a refund for multiple instances of these fee assessments, I believe Wells Fargo is a predatory bank that should be investigated. 

They are resolving themselves of their place in the student debt crisis and selling their student loan accounts to a third party -- leaving thousands of us with loans nearly in default to instead deal with collection agencies where additional fees will be added. 

This is unfair, inaccurate, and it should be examined further to prevent Wells Fargo from further profiting from it's predation.

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 2023-02-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Well a couple of months ago synchrony Bank issued a CareCredit for a dental work and I was approved instantly for a {$2000.00} credit limit I had made a couple of payments in the same month and for this reason on my next payment date I didn't make a payment since I had made one earlier the prior month so synchrony Bank said that I missed a payment which I didn't I had just paid a few weeks early and they said that when that happens they apply all payment 's made in a billing cycle it counts as one payment and I said well I am not aware of your in-house policies so they took off the late charge and the Miss payment charge and brought my account current however they lowered my credit limit to {$1000.00} which had me over my credit limit which made my credit score go down once it was established that synchrony Bank had made a mistake they corrected what was wrong on my credit report but they did not raise my credit limit back to XXXX  so the lower credit limit affected my credit score negatively. I only think it's fair since I didn't make a late payment or miss payment which synchronize Bank letter stated as to why they chose to lower my credit they should raise my credit limit back to 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 2020-01-12
Company: Risecredit, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS COMPLAINT AGAINST XXXX  AND RISE/XXXX demands CFPB attention for prosecution.RISE /XXXX  in XXXX told the CFPB that the Supreme Court decision in XX/XX/2018in California did not apply to them.An untrue statement since the decision ( attached ) applies to all consumer loans over {$2500.00} originated in California XXXX 
The Supreme Court says this RISE LOAN, ACCT XXXX Appearing on XX/XX/XXXXis " unconscionable '' as to it's rate of interest ( about 160 per cent APR ) and violates CALIFORNIAS UNFAIR COMPETITION LAW contained in CALIFORNIAS BUSINESS AND PROFESSIONS CODE.Another false statement of Rise in their attached CFPB response says that the loan was a refinance not a new origination.Although I had paid off a RISE loan 6 months before this was a new origination, {$3500.00} at {$260.00} bi -weekly repayments for 15 months ... ( calculates to over 160 % APR, the SUPREME COURT SAID THAT 96 % AND 135 % APRS WERE UNCONSCIONABLE IN THE DE LA TORE VRS CASHCALL INC. case decided by them. 
THIS SUPREME COURT DECIDED THAT RISE BUSINESS AND BUSINESS PLAN OF UNCONCIONABLE RATES IS ILLEGAL UNENFORCEABLE, PROSECUTABLE IN CALIFORNIA. 
A CLASS ACTION CASE AGAINST RISE IS LIKELY COMING SOON ENTIRELY BASED ON THE SUPREME COURT DECISION OF XXXX XXXX XXXX LAW OR THE PRINCIPLE OF XXXX IS NOW OVER. 
MY LOAN SHOULD BE DELETED AS UNCOLLECTABLE IN ANY COURT OF LAW, DUE TO UNCONSCIONABLE INTEREST RATE AND OTHER RISE BUSINESS TACTICS. 
EXPERIAN IN THIS CASE CAN NOT EXEMPT THEMSELVES AS MERELY A REPOSITORY.EXPERIAN MUST ACT TO DELETE THIS LOAN DETERMINED BY THE HIGHEST COURT IN CALIFORNIA AS " UNCONSCIONABLE '' DUE TO ITS INTEREST RATE, AND THEREFOR EXPERIAN CAN NOT BE USED AS A COLLECTION TOOL OF XXXX RISE WANTS TO SUE, GO AHEAD, '' BE MY GUEST '' THE CROSS-ACTION WOULD BE WONDERFUL FOR ME ( $ $ $ $ $ XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We filed bankruptcy in XXXX and XXXX respectively. I filed first, then my husband. The mortgage was not a part of the bankruptcy. We filed bankruptcy due to an overwhelming amount of medical bills not because of erroneous debts. Once bankruptcy filed, Selene took more than 30 days to process a personal check for the mortgage. Prior to bankruptcy we would pay the mortgage over the phone. Once we filed, Selene no longer allowed this payment option. After writing and calling them with no response, we started sending mortgage payments by money orders. I saved every receipt, however my purse was stolen/misplaced and I can't find those. I started paying by certified bank check some months ago. We got a notice that the mortgage was behind, so I had XXXX XXXX XXXX trace the certified checks. Only one or two had been processed and the others, months old, were still hanging out there. XXXX  XXXX XXXX cancelled them and refunded my money and we started paying through automatic bank draft. Those payments are well documented. We are being XXXX XXXX XXXX my Selene to vacate the home so that they can foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-05-31
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business which is my e-book store.i started selling on XXXX XXXX. Heres my PayPal account : XXXX has stucked funds amounting XXXX in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX. 

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
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. 

XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Sometime in XX/XX/XXXX I bought a prepaid Visa MyVanilla card for XXXX $ plus the initial fee. The card was kept in its packaging and brought with me between then and XX/XX/XXXX. In XXXX, I attempted to register the card, and was unsuccessful. I tried to do so over the phone, and was told that 13 months worth of inactivity fees had been charged. The packaging only states the cost of the initial fee, ATM fees, reload fees, and balance inquiry fees- it does not disclose inactivity fees nor did it contain a cardholder agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX has been inaccurately been reported to the credit bureau. When I last spoke to XXXX XXXX as soon as XX/XX/XXXX to be place in a Forbearance. XXXX XXXX  failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Account number : XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX XXXX XXXX  120-149 days Late XX/XX/XXXX XXXX XXXX XXXX days Late XX/XX/XXXX XXXX XXXX 120-149 days Late XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: KY
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be corrected or deleted immediately 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