BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: LA
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.and these bureaus has violated this law buy allow unauthorized inquiries to be listed on my credit report I have never authorized any of the listed hard inquiries that are attached to the images below I contact XXXX and Equifax to get this response numerous times and no one wanted to assist XXXX they are unable to get me an online account to dispute the inaccuracies Equifax will not proplerly complete an investigation I have asked for my original written consent to obtain my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I was checking my credit report and noticed that a couple of companies that I didnt know are did business on my credit report I tried writing them but they didnt operating right

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 2023-08-10
Company: Experian Information Solutions Inc.
State: FL
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:
I want to make it clear that I am genuinely serious about taking legal action against your company if necessary. I have diligently sent multiple certified letters requesting the removal of inaccurate information from my file, which have unfortunately been ignored. It is crucial to understand that making false threats of a lawsuit is a crime, and I assure you that my intention to pursue legal action is sincere and justified.

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 2023-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX USDOE/XXXX Account number : XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 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 2021-02-18
Company: FIFTH THIRD FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
I applied to and was approved for a credit card with FIFTH THIRD BANK Credit Card Department in XX/XX/2020. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, XXXX  or XXXX  as an account and one in good standing. 

Please have them ( FIFTH THIRD BANK Credit Card Department ) report this credit card account to XXXX, XXXX and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The company came to my house and repossessed my car. Then they sent me a letter stating in order for me to get my car back that i had to pay the remaining balance or they were selling my car. In the letter it also states that if in fact they sell my car that they will send the remaining balance.Telling me that you will sell my car if I do not pay is extortion.If they owned the property they wouldn't have to pay me anything. On the back of the contract it states security interest. Security interest means what I gave them secured all my obligations to the debt meaning I own the vehicle. If my social security secured all of my obligations then the debt was an allegation and when you went and repossessed my car you committed theft. They advertised the sale of my car to pay off the alleged debt which is a violation pursuant to 15 usc 1692d ( 4 ). My neighbors were outside and seen the people you contract take my car and that affected my reputation which is a violation to 15 usc 1692d ( 1 ). Then furnished this to my report without my permission, which is a violation to 15 usc 1681b ( 2 ). Additionally, they marked my payments as late which is a violation pursuant to 15 usc 1666b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried reaching out to this Bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from 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 non-monetary relief
Consumer complaint received 2016-06-26
Company: Synovus Bank
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The secured credit account was closed by the issuer in XXXX XXXX. At the time the card had a XXXX balance and had not been used for over 60 days. I received my full security deposit. I checked my credit report in XXXX XXXX and it showed the account as closed in good standing with XXXX balance. I checked my report in XXXX XXXX and it showed the same good standing entry, but also showed a XXXX entry from same company first progress showing my account in a negative standing with past due balance. I want this negative entry removed from my credit as I 'm not liable for this fraudulent entry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2023-04-26
Company: EQUIFAX, INC.
State: WI
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:
Over the course of the last 6 months Ihave sent multiple complaints about all XXXX credit bureaus reporting alleged medical debts violating medical laws and all without my consent. I have written them at least 3 times and asked them to remove them. I have the letters saved as well as the responses. Please address this immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: FIFTH THIRD FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
I have been approved by FIFTH THIRD BANK Credit Card Department for a credit card balance of {$2500.00} I have had the card and have been using the card responsibility for XXXX  months now, yet, they have not reported the account to XXXX, XXXX  and XXXX  Credit Bureaus at all. Please have them ( FIFTH THIRD BANK Credit Card Department ) report this credit card account to XXXX, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I have been approved by XXXX XXXX aka XXXX Credit Card Company for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for 3 months now, yet, they have not reported the account to XXXX, Transunion and XXXX Credit Bureaus at all. Please have them ( XXXX XXXX aka XXXX ) report this credit card account to XXXX, Transunion and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

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 2021-11-26
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not give this company permission to view my consumer report. 

ALLY FINANCIAL XX/XX/2021

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 2023-04-26
Company: DISCOVER BANK
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:
ON XX/XX/2023, I MADE A PURCHASE WITH MY DISCOVER CC TO A COMPANY CALLED XXXX IN THE AMOUNT OF XXXX, AND DISCOVER IS HOLDING UP THE TRANSACTION. I HAVE ENOUGH FUNDS ON MY CC TO COVER THE TRANSACTION. THIS IS UNACCEPTABLE AND MUST BE RESOLVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this company multiple times on multiple occasions this company never lets you speak to a representative all they do is continue to bounce me around from place to place to place, they keep you on hold for ages and transferring you from person to person they never let you work with someone, they hang up on you, and they never call you back. I have contacted this company multiple times trying to get on a repayment plan and nobody wants to work with you, their employees are extremely disrespectful and never are willing to work with you no matter how many times you try. Im not sure how a company expects you to work with them and pay off a debt when they refuse to work with you.

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 2016-12-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hi ive recived a zero Blance letter from XXXX XXXX XXXX XXXX # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company by mail for the last two years! They are yet to send me original documents with signature or identification. This debt does not belong to me and is hendering me from purchasing a home. I have sent letters certified and by email. They dont show proof. Ive also contacted the credit bureaus. Please remove immediately as this is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Convergent Resources, 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:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Over the course of the last 6 months Ihave sent multiple complaints about all XXXX credit bureaus reporting alleged medical debts violating medical laws and all without my consent. I have written them at least 3 times and asked them to remove them. I have the letters saved as well as the responses. Please address this immediately. Thank you.

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 2022-08-13
Company: ACIMA CREDIT, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Per my agreement I agreed to my account being charged weekly on my payday which is ( Fridays ). Since the 1st payment they have not charged my accounts on the correct day. I had payments taken out the immediate ( Monday ) before my payment was due from my checking account originally. They caused me 2 NSF fees attempting to draft from my account on ( Monday ) instead of taking the allowed payment ( Friday ), as per the agreement. I moved the payment to a secondary account for my debt card to be charged, and had a billing rep move my due date to ( Saturday ). cima has tried to withdraw 2 payments from my account Monday XX/XX/22 & Tuesday XX/XX/22 which were not on the scheduled date. I spoke with a Supervisor at cima and had them remove automatic payments and any other accounts or debit cards from the account before they made anymore payment attempts not on the agreed day. After removing automatic payments a week ago the tried again to charge my account on XX/XX/22 a day that was not my agreed upon due date. cima is now trying to charge me a NSF fee and late charge for them once again not withdrawing from my account on the agreed upon day which should be Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Investigation took more than 30 days

Complaint:
I summited a dispute with XXXX XXXX XXXX company, I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692e ( 8 ) states 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. 
here is my account info to use during your investigation into this matter

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 2023-04-26
Company: Experian Information Solutions Inc.
State: WI
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:
Over the course of the last 6 months Ihave sent multiple complaints about all XXXX credit bureaus reporting alleged medical debts violating medical laws and all without my consent. I have written them at least 3 times and asked them to remove them. I have the letters saved as well as the responses. Please address this immediately. Thank you.

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 2019-04-12
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019 and XX/XX/2019 I made payments to pay off my student loan with XXXX XXXX XXXX. The payments resulted in an overpayment of {$220.00}. Per the terms and conditions, the overpayment should have been returned within 60 days. After 60 days had passed and I had not received reimbursement, I contacted XXXX XXXX XXXX on Friday, XX/XX/19. The representative I spoke to said they would contact the accounting department and that I would receive an email and resolution within a week. More than a week passed and I had not received an email, resolution, or reimbursement so I called XXXX XXXX XXXX on XX/XX/19 to  follow up. The representative again told me that they would be sending an email to their accounting department and I should expect an email and resolution within a week. On XX/XX/19 I still had not received reimbursement nor an email. I called XXXX XXXX XXXX and was told for a third time by a representative that they would be sending an email to the accounting department and I should expect an email and resolution within a week. 
At this point, I have no faith in XXXX  XXXX XXXX ability to resolve and reimburse my overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
i am complaining about citibank. i have a citi card that i tried to use at XXXX on XX/XX/18 and i had an issue where my card was declined and when i called to confirm the charges they would not clear the card. i told the rep i was standing in line at XXXX and she said she would send me a letter.. very unprofessional. i spoke with XXXX and XXXX at at XXXX XX/XX/18. when i returned home i called again and verified myself with XXXX id # XXXX   at XXXX XX/XX/18. At that point i wanted to close my account and she said she couldn't. They decline my card thinking its fraud and when i verify myself to cancel they said they couldn't. what kind of unprofessional backward practice is this. i was a victim of identity theft and take this very serious. also they have not alerted me once about the suspected fraud or my calling to cancel, not one call, text or email. I think they need to revisit their security policy protocol. I think they outsource their customer service to other countries, i could barely understand the reps. i want these representatives FIRED for their incompetence and unprofessional behavior. i will take legal action if this is not rectified.

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