BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for an XXXX credit card on their website since we were purchasing kitchen cabinets from XXXX in the near future. I was approved for the account on XX/XX/2018, and received the card a week later. There was a bonus in that if you spent {$500.00} at non-XXXX stores in the first 3 months you get an XXXX {$25.00} gift certificate. So, we were using the card for various purchases and we received the first bill on XX/XX/2018 for {$33.00} which was promptly paid off. We kept using the XXXX visa card for everyday purchases until I was at XXXX supermarket and tried to use the card, and was denied approval. This was embarrassing and thus we used an alternate card for payment. Since I have a credit score as of late XXXX of XXXX and haven't missed any payments in the last 30 years or so I was baffled why the card was denied. I called the XXXX card issuer ( XXXX XXXX ) on XX/XX/2018 to inquire why my card was declined at the point of sale since I thought my credit was impeccable. The rep, XXXX stated the reason why my account was closed as there were " Number of recent credit inquiries on your credit report '' A week later I finally received the closing account notices from XXXX XXXX. What does that mean especially for someone who has a credit score like I did? I also looked at my credit report online and found that there were only 3 recent inquiries and " ALL '' of them from XXXX XXXX. How can Credit Card issuers like XXXX XXXX  treat consumers like this? Isn't this anti-competitive in that I now will do business somewhere else and I know that there are credit issuers that will want my business. Who are they trying to protect, themselves from good customers? What is more upsetting to me is that XXXX stated the XXXX XXXX had the right to close the account as well as another XXXX project card due to the fine print that was in the credit card agreement. I read it and I have a college degree and it was hard for me to understand. If I decided to sue the agreement states that I could not sue but that I had to use the arbitration system for all disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
According to the FCRA information on my credit report should be accurate. The names and addresses listed below should be removed from my credit report. enclosed will be my current Driver License with my name and address that should be shown on my credit report. 

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

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 2022-03-14
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX to XX/XX/XXXX I have disputed items on my credit report with XXXX   and equifax. Equifax and XXXX are great companies this is the first time I have had issues with my credit report involving removing items. Equifax and XXXX are displaying incorrect information. There are also duplicate accounts on credit report when I only have one account. All accounts are closed because I filed Chapter XXXX. Some accounts were removed and then they reappear and then they remove them and then they reappear. Accounts that are closed are still open and showing that I missed a payment. I have asked that these accounts all be removed. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: LendingUSA
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Lending USA has made errors in regards to my billing at which i have never been late. have reported past due payments which they fixed but now has come back again as well as sending me notices recently saying my account is past due AND IT HAS NEVER BEEN LATE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This will be the last time that I reach out to you all. This auto loan does NOT BELONG TO ME AT ALL! I NEVER OWNED THAT CAR I NEVER SIGNED A LEASE ON THAT CAR. SOMEONE USED MY INFORMATION WITHOUT MY CONSENT NOR KNOWLEDGE AND THAT IS HOW THIS MATTER OCCURED. I ALREADY EXPLAINED THAT TO YOU ALL AND AT THIS POINT YOU GUYS ARE BREAKING THE LAW! THIS IS CRAZY AND ABSURD PER 15 USC 1681 B. I WILL BE CONTACTING THE XXXX XXXX XXXX AND MY STATES ATTORNEY GENERAL AND I WILL BE SUEING IF YOU GUYS DO NOT REMOVE THIS FROM ALL 3 OF MY CREDIT FILES NOW!

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 2020-04-29
Company: EQUIFAX, INC.
State: AR
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 was informed by my car salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to shoe me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had my identify stolen and multiple unauthorized transactions were made on my Chase bank account. One of these transactions was a wire transfer that Chase has not yet corrected. 

On XX/XX/2022, an unauthorized wire transfer for {$20000.00} was made to XXXX ( XXXX XXXX XXXX  ). As soon as I found about this unauthorized transaction, Chase was notified and a police report was filed. 

Filed a claim with Chase on XX/XX/2022, claim number XXXX Despite waiting several months and spending numerous hours on the phone with Chase and their fraud department, I have not yet gotten my money back and they are not helpful with resolving this matter. The chase fraud department told me that there is nothing they can do and they can not reverse the transaction. Chase also has not yet been able to contact the recipient bank ( XXXX XXXX XXXX  ) and Chase told us to get our own lawyer to get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: AMERICAN HONDA FINANCE CORP
State: CA
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:
Refund related to XXXX Honda Property Tax for a car that was sold in XXXX. 

I had leased a car with Honda in XXXX and had registered with KY license plate. In XX/XX/XXXX I sold my vehicle to a XXXX car dealer in the state of California with all the settlements. 
In XXXX, I did not hear from Honda Financial services or from the state of Kentucky for any property tax due. In XX/XX/XXXX, I got a letter from Honda Financial services that a property tax of {$210.00} was due for the XXXX. 

In the month of XX/XX/XXXX I called the KY department of motor vehicle and closed the license plate for my XXXX Honda XXXX and as per suggestion from them I opened a case with Honda financial for a refund of the tax amount for an already sold car. 

It has been almost 9 months and the refund has still not been processed. I have called the Honda financial services numerous times and they had promised to update me with the status of the refund. Since XX/XX/XXXX I did not hear back from them and each time I call the customer service a new associate picks up and confirms they are not aware of the case. It is becoming a challenge for me to get a refund as Honda Financial services is not assisting in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX my barclays us credit card is XXXX XXXX and my other card is XXXX my complaint is that I've been s good customer for 9 months and made my payment s on time. I got my credit line increase. Then all of sudden the risk department unlawfully block my account without telling me until I call them and they wanted me to send a 4560t form so I did along with my photo ID and all of sudden they didn't let me send this on a timely manner reason is that it takes time for the irs to send my tax information and they made a XXXX excuse that the documents were not clear enough. And close my accounts right away I felt discriminate here it was really done because my credit line was increase from 500 to 6700 and I was credit worthy. And they did this to me because I'm XXXX and the credit analyst that increase my limit was a minority women. But when I ask prior the XXXX credit analysts denied me. So the problem here is that barclays pull a fast one and the XXXX credit analysts put my account under review after the XXXX credit analysts approve my limit increase up to 5000 and the other limit was move to my card. And the other problem here is that barclay pull my report multiple times example if they pull a report today and increase my limit. And say I ask for a new increase again in the same day they will pull another credit report with the same information instead of using the prior credit report. .that putting more inquires on my XXXX XXXX credit report XXXX Also I. Asking barclays to removed those duplicate inquires.

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 2022-02-09
Company: LEXISNEXIS
State: NC
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:
LexisNexis is furnishing false, manipulative, deceptive letters stating to me ( the consumer ) that LexisNexis has removed items disputed ( Bankruptcy Case # XXXX, XXXX & XXXX from my file however, XXXX & XXXX confirmed that all items furnished on my credit report remained that is furnished from the third party LexisNexis. In addition, XXXX, XXXX & LexisNexis refuse to furnish me updated documentation of my file displaying items disputed were removed Moreover, LexisNexis will NOT furnish documentation that my file is permanent on freeze & suppressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: CT
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 would like to report an identity theft in my credit file, upon checking my credit I found a number of accounts that are fraudulent, such accounts do not belong to me and should be removed from my credit report, they had impaired me to obtain credit and had cause me to pay high interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
EQUIFAX : website does not offer additional login security, two factor authentication or other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXXWestlake ordered a credit report hard inquiry WITHOUT my signed authorization! Per F.C.R.A., either have them provide a signed authorized application document with my ( XXXX XXXX ) signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Bank of America that I thought I had paid on XX/XX/2020 for a payment due on XX/XX/2020. 

After further investigation, it seems that the payment did not process. Therefore, I was notified the evening of XX/XX/2020 that I had a late fee and if I did not pay my mortgage immediately I would be reported to the credit bureaus. 

Not once did I receive any communication prior to XX/XX/2020 that I had missed the mortgage payment on XX/XX/2020, nor did I receive a notice on the day that a late fee would be charged ( XX/XX/2020 ). I did, however, receive an email on XX/XX/2020 that mentioned there was a statement available. In that statement it listed the overdue fee and late charge, HOWEVER in the email there was no statement or understanding that funds were outstanding or a late fee was already being charged. 

This is misleading communication and clearly violates XXXX in that it is deceptive.

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 2023-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received an email and letter on XX/XX/XXXXXXXX  requesting that I activate my new card and to manage reoccurring subscriptions on the same card. Subscriptions that should have ended with the card around 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 2022-03-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Im the consumer 12 cfr 1026.2 ( 11 ) XXXX XXXX bringing to the CFPB false and deceptive practices on the behalf of American Express. 12 cfr 1026.1 ( a ) speaks about the consumer protection and federal laws to apply and assert so consumers wont be taken advantage of. 12 cfr 1026.1 ( b ) detail the purpose and explain the regulation for consumers protection according to the practices among organizations. 12 cfr 1026.1 ( c ) ( 1 ) ( i ) I, XXXX XXXX extended my credit to American Express. 12 cfr 1026.1 ( c ) ( 1 ) ( iii ) American Express is supposed to produce the finance charge to the consumer clearly and conspicuously so the consumer can clearly understand the true cost of credit. In XXXX I filled out an application 12 cfr 1026.2 ( a ) ( 3 ) with American Express, on XX/XX/2021 I was approved with American Express reference : XXXX. I, consumer 12 cfr 1026.2 ( 11 ) gave my social security credit card 12 cfr 1026.2 ( a ) ( 7 ) to American Express for the purpose of 12 cfr 1026.2 ( a ) ( 12 ). I gave American Express 12 cfr 1026.2 ( a ) ( 14 ) with my social security credit card 12 cfr 1026.2 ( a ) ( 15 ) ( i ) for a 12 cfr 1026.2 ( a ) ( 15 ) ( ii ). American Express then provided the consumer with a 12 cfr 1026.2 ( a ) ( 16 ) when 12 cfr 1026.2 ( a ) ( 2 ) does not include 12 cfr 1026.2 ( a ) ( 2 ) -1.ii, American Express will only extend the credit if the consumer sign the credit sale which is false advertising. American Express is acting as a cardholder 12 cfr 1026.2 ( a ) ( 8 ) labeling themselves as if they extended the consumer credit. American Express also labels itself as a creditor 12 cfr 1026.2 ( a ) ( 17 ) when the consumer is the creditor only a natural person 12 cfr 1026.2 ( a ) ( 22 ) can be a creditor only. The consumer is only supposed to pay a finance charge 12 cfr 1026.4, American Express has been charging the consumer different charges than the finance charge which is fraud and deceptive to the consumer and illegal practices on the behalf of American Express. American Express has locked the consumer account to get any credit pertaining to the consumer asserting his rights and has made the consumer default on his bills, consumer is unable to provide for his family and business, and if American Express dont fix this problem it will report on the consumers report and will harm his reputation. 12 cfr 1026.4 American Express havent clearly and conspicuously disclosed to the consumer the finance charge which according to the CFPB regulate for banks to practice legally and protect consumers for inaccurate information. The consumer has an unlimited 12 cfr 1026.2 ( a ) ( 20 ) which the consumer notified American Express and they ignored the consumer rights to dispute the inaccurate information and charges and locked the consumers account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: TN
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:
The account opened was opened due to identity theft. I've sent the company a FTC report along with a police report but they still have yet to block the information off of my credit file and report. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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