BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: Experian Information Solutions Inc.
State: GA
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:
I ask that a human review my file. The credit bureau is reporting incorrect information. In the system you are showing that I financed a vehicle from XXXX XXXX for {$17000.00}. This information is incorrect. The total amount including the vehicle and finances charges is {$32000.00}. The original company reporting this XXXX XXXX is breaking the law. The credit bureau was notified in XXXX that the data in this file was not accurate. 

XXXX XXXX in an effort to keep me from refinancing with another lender has been reporting payments made but the balance has not gone down only up. Also, this vehicle was taken in and sold in a bankruptcy in XXXX of XXXX. The balance the company is showing is not correct. Attached is a copy of the original contract showing the correct amount.

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 2021-11-16
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.I have never had an account with this company I C SYSTEM XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are I C SYSTEM the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2017-12-21
Company: Southwest Credit Systems, L.P.
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 is missing that should be on the report

Complaint:
On my credit report I am showing a past due balance for the XXXX XXXX XXXX at XXXX XXXX which has been paid in full since XXXX XXXX, 2017 which should have been rectified to all three credit bureaus. I was told once the issue is resolved my credit score will increase or will go back to what it was before I had this debt which I slowly paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Bank of America gave me the worst banking experience I have ever had. I had an auto loan that I was trying to pay early. I was paying a car loan off in full. I submitted a payment of {$2100.00} ( 10 day payoff balance ) which they took out. They then took {$2100.00} ( principle balance ) from my account, which caused my checking to go negative, causing overdraft fees. They Charged me for the Principle balance of the loan, AND the 10-day payoff amount. I entered the 10 day pay off amount. You have to physically type the amount. Bank of America tried telling me that, I physically typed both amounts within 1 minute of each other. I would have never done this. I also have my internet history which proves I only went to the make a payment page once. I had to sit on hold for 4 hours one day for them to even recognize they double charged me. A supervisor called me back the next day, and placed me on a 2 hour hold.  Then said they would cut me a check for the {$2100.00} a MONTH later. The extra {$2100.00} they took out caused penalties, bad checks and embarrassment. These fees resulted in {$150.00}. BoA refused to pay them back. I keep my money in multiple checking accounts, that is why I didn't have enough to cover the extra charge. Worst customer service experience ever. I had to sit on the phone for 5-7 hours just for them to confirm that they took additional money from me.

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 monetary relief
Consumer complaint received 2022-10-19
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/XXXX, I purchased a XXXX XXXX  Gift voucher in the amount of {$180.00}. They do not show the calendar of availability before purchasing ( unlike similar voucher experience companies I have seen ) so when I went to redeem it, I was horrified to see there was only one date available in the next 8 months in XX/XX/XXXX. They luckily advertise a 30-day hassle-free, no-questions-asked refund policy on their site, so I reached out several times within that window to speak to someone about a refund. No one ever responded. 

Once I was out of that refund window, I contacted Capital One to dispute the charge. They reached out to XXXX XXXX  Gifts, and that is when the company finally emailed me back ( conveniently, outside the 30-day refund window ). They asked what the problem was and I said that no one had reached out to me in the refund window so I went to my credit card company. The customer service rep from XXXX XXXX apologized profusely and said she would handle it. I thought that meant a refund, but instead, they refuted the dispute only by showing that they had indeed provided me with the voucher ( which was never the complaint in the first place ). 

Capital One closed my case without asking the company why no one had replied to my several emails within the refund window policy. I was on the phone with Capital One for hours asking and every customer service rep said that yeah, it was odd, but if I wanted a refund, I needed a Second Opinion letter stating that other companies would show the availability on their site. However, that is not what I am disputing! I am disputing that the company advertises a flexible refund policy but violates it by not communicating with customers in time. 

I have tried to reach out to a few similar companies ( XXXX XXXX, XXXX, etc ) asking for this second opinion letter but all say they can not help me. I can see clearly on their site that they do show calendar availability before purchasing, so not sure why I need a letter to state that when it is clearly viewable and proven on their site. Also, refund policies are available on the site as well, so again, not sure why requiring a company that is not involved in the situation to just state things that are visible online. 

What it comes down to is a company lied about their refund policy, did not communicate with me in the window of the refund policy until I timed out, and then Capital One refuses to help me stand by the dispute when every customer service rep I speak to confirms I should get a refund, but we have to follow the process. Without a random company agreeing to do this random letter, I am out {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
( 1 ) Reported card missinG XX/XX/2023. 
( 2 ) Received email about customizing card XX/XX/2023 ( 3 ) XX/XX/2023 email received statinG the custom card was beinG reviewed ( 4 ) XX/XX/XXXX received confirmation that the new custom card was approved and should take XXXX to XXXX business days to arrive ( 5 ) Received card on XX/XX/2023 Now my acct is shut down statinH it's a charge off of XXXX $ bucks which is not fair at all!!! 
If it's so prayed can you please Get this resolved!? I bee working on my credit and for me to take all proper steps and get the rug pulled from under my feet is ABSURD!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Bread Financial Holdings, Inc.
State: NY
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:
Please I would like to fix this error in my credit report. I was never late on this account. This inaccurate information is affecting me. 



I appreciate your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Revolut Technologies Inc.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The financial technologies company named Revolut partnered with XXXX XXXX Bank recently blocked my account as I could not provide screenshots for my recent add-money transaction from XXXX XXXX  since the card from XXXX I used was removed from XXXX XXXX  and thus the device recognition number has since changed. I attempted to let them verify the transaction by providing my bank statements of the card I used. But they insisted the screenshot of the original device recognition number in XXXX XXXX be presented to them and blocked my account without further explanation. The chat function in their app is no longer usable as they only told me that they will look into this issue within an unspecified time frame. The funds in my account are no longer accessible and the annual service fee I paid to them ( around XXXX dollars ) can not be refunded. This is arbitrary action has caused a significant financial stress and their non-transparent way of treating customers is most unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$180.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 2021-12-11
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently had my credit report pulled by a bank because I am in the process of purchasing a home. On my credit report, XXXX XXXX shows a student loan from XXXX XXXX University ( where I attended ) for {$2000.00} that caught my attention because I had never seen it before and have been paying on my student loans since XXXX. The credit report stated this loan has not been updated in XXXX XXXX 's system since XX/XX/XXXX. I contacted XXXX XXXX University and XXXX XXXX ( which is the loan provider XXXX XXXX uses ) and they could not find this loan anywhere in their system. After 50+ phone calls to XXXX XXXX and XXXX XXXX from XXXX, XXXX concluded that this portion of the loan was never updated to XXXX XXXX from UAS XXXX, which is the loan provider XXXX XXXX used until XX/XX/XXXX. I attended XXXX XXXX University from XXXX XXXX XX/XX/XXXX. In XXXX of XXXX, XXXX XXXX university transferred all of the student loan accounts from UAS to XXXX XXXX. On my credit report from XXXX, it is showing I still owe UAS that loan amount because XXXX has not gotten any updated loan information from UAS XXXX about my account since XX/XX/XXXX. So, it is still showing on my credit report that I have a balance with UAS XXXX of {$2000.00}. XXXX informed me the only way this can be changed is if UAS XXXX sends them an updated report showing that this account no longer exists or has been transferred/paid off. I called UAS XXXX 3 times on XX/XX/XXXX and they informed me they can not help because they can not find my loan account ( because it was transferred to XXXX XXXX ). They are unwilling to help me and I do not know where else to turn. I can confirm this loan amount was with UAS XXXX because all of their loan accounts start with the same 3 numbers, and the account number that is on the attached document match. I need this removed from my credit report because it is no longer valid, and no one will help me. The attached file is information of the account balance I am referring to. I tried to file a dispute with XXXX XXXX and this was the result. XXXX XXXX reached out to the contact information provided, but it is the contact information for XXXX XXXX, not UAS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # 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 2, it also states that a consumer reporting agency can not furnish an account without my 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 2019-05-13
Company: Bread Financial Holdings, Inc.
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 status incorrect

Complaint:
my XXXX  account was paid in full XX/XX/2018, XXXX placed me in collections/late payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-24
Company: National Credit Adjusters, LLC
State: SC
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 whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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 2022-09-21
Company: Experian Information Solutions 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 XXXX  these accounts 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  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has all 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 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 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 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 2018-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

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