BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: WA
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 reviewed my credit in XXXX and noticed there was a credit card in my name for XXXX XXXX XXXX  and promptly called XXXX XXXX XXXX to advise them that there was fraudulent activity, and they advised they'd send a letter in the mail to resolve. They verified that it was fraudulent activity ( incorrect address, phone, etc. ) was used to open the credit card. I did not receive their letter to resolve. 

I am now trying to buy a home and it was flagged to me by the mortgage lender beginning of XXXX that there was a credit card by XXXX XXXX XXXX that was under my name. I promptly reached out to the credit card company again and let them know that I did not apply for a new credit card, and needed it removed immediately. Escalated to a supervisor to see if I could get an email with this information, they declined and advised I needed to receive the letter via USPS. I just received in the mail today and am inputting my request to be removed. It is reflecting on my credit report as a dispute and will prevent me from getting the lending I need ( FHA ). 

So, in short, I notified XXXX XXXX XXXX and they've confirmed it was fraudulent activity, that they've determined the application received is potentially fraudulent, and they've removed the application and stated it will not be processed further. I do need the action removed from my name and permanently deleted from any record as soon as possible, please. 

Fraudulent activity should be easier to resolve directly with organizations. 

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 non-monetary relief
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Experian XXXX I am writing to address a critical matter that has not only caused me significant distress but has also resulted in direct financial and reputational harm. It has come to my attention that Experian reported the XXXX XXXX  XX/XX/2023 inquiry on my consumer credit report without my consent. While this inquiry was eventually deleted after my dispute, the deletion itself is an admission of inaccurate reporting and wrongdoing on the part of Experian. 

I am deeply troubled by the flagrant violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by Experian. Specifically, Experian has violated the FCRA by reporting inquiries on my consumer report without my consent, neglecting to conduct a proper investigation as required by the FCRA, and reporting data on my consumer report that fails to meet the standard of maximum accuracy mandated by the FCRA. 

The repercussions of these actions have been severe. My financial and credit reputation have been unjustly tarnished due to Experian 's inaccurate reporting. I have suffered both emotionally and financially as a direct result of Experian 's violations. 
According to the provisions of 15 USC 1681n, Experian is liable to me in the sum of XXXX per inquiry due to its willful noncompliance with the FCRA. Consequently, Experian has been invoiced for a total amount of XXXX XXXX XXXX per inquiry ) to address the damage incurred by its actions. I demand that Experian fulfills this invoice by mailing a check of XXXX 

This matter is of extreme urgency. Experian has a period of XXXX business days from the date of this letter to respond and fulfill the invoice. Failure to respond within this timeframe will be considered an admission of violating the FCRA and neglecting the obligation to fulfill the invoice. 

I am holding Experian accountable for its actions and expect a prompt and responsible resolution to this matter. I trust that Experian will take the necessary steps to rectify the violations and provide the requested payment within the stipulated time frame. 
I anticipate your immediate attention and cooperation in addressing this issue and fulfilling the invoice as demanded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: BARCLAYS BANK DELAWARE
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:
Barclay Bank pulled my XXXX personal credit report for barclay bank and i did not authorize a personal hard pull on my credit please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NY
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 is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 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

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 2023-09-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I received a car insurance claim payout from XXXX to my Venmo account to amount of around {$6500.00}. After receiving the payout they froze the account. They have given me no reason as to why the account was frozen and said I would receive an email concerning the situation in 7-10 business days. I never would have had the money deposited onto Venmo had I known there was a possibility of them freezing my account for absolutely no reason. Because I was unable to access my funds to buy a new car I lost my job which was very well paying relative to my past jobs. Venmo continued to hold this money and now I am unemployed without income and without transportation, and now face eviction. Venmo literally ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Rocket Mortgage on XX/XX/21 about a cash out re-finance. I was told on the first call I was qualified for my re-finance after all of the requested documents were reviewed. They asked for a good faith deposit of {$500.00} on XX/XX/21. I voiced my concerns to the person on the phone that I have had trouble getting loans because I was self employed and that I did not want to pay anything out of pocket if I was not going to be approved. She assured me I was approved and we could move forward. I gave the good faith deposit of {$500.00} and also signed deposit agreement. They immediately sent a person to appraise my home on XX/XX/21. Then, after the appraisal was done they called me on XX/XX/21 and told me I did not qualify and they would not refund my money. The reason I did not qualify had nothing to do with my appraisal and everything to do with my lack of self employment income, which they could clearly see from the documents I provided. I was mislead and pressured to giving money when Rocket Mortgage had not done done their due diligence. I would have never paid to have my home appraised if I knew I could not qualify for the loan. I felt pressured to do everything quickly and I feel this is their way of getting money from people that they may not qualify for a loan. I have spoke to a few other lenders since XX/XX/21 and they honestly said that they would not waste my time and I would never get approved based on the numbers I gave Rocket Mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24
Company: Yamaha Motor Finance Corporation USA
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a loan with Yamaha XXXX. XXXX carries the loan.. My payment is due on the XXXX of every month. I made my payment that is due on XX/XX/XXXX on XX/XX/XXXX. In fact, I have a confirmation letter from Yamaha stating that I made a payment. I received a letter dated XX/XX/XXXX from Yamaha Financial Services stating that I am past due on my payment. When I call the original number of XXXX XXXX XXXX I'm told by recording that the loan has been transferred to Yamaha Financial Services. I've called the number ( XXXX many times this week. I've been on hold for 2 hours at a time and no one ever picks up. I called this morning right at XXXX XXXX  ( when they opened ) and the recording said the wait time is 2 minutes. 1 hour later and still on hold so I hang up. I called last night and the recording said the wait time of 10 minutes and I was on hold for 2 hours and still no answer. This has happened many times this week. An hour here, an hour there : still waiting on hold trying to have this issue resolved. I do have a confirmation that the payment was made but I can't resolve something when no one at Yamaha Financial is there to man the call. This is very frustrating to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Credit Karma, LLC
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX my card was declined for {$7300.00}. I didn't know at the time that the limit per day I could make was {$5000.00}. I called customer service and the fraud team to confirm & verify it was me and that I was purchasing a car from XXXX XXXX XXXX. That same day I tried lesser amounts for {$5000.00} & {$4000.00}. Both transactions got declined so I called customer service again and was told to to wait 24 hours to try these transactions again. I waited until 2 days later on XX/XX/XXXX to try again. I still got declined for {$5000.00} or {$4000.00} at XXXX XXXX XXXX. I talked with customer service and the fraud team again and said that the card should be working fine. I tried the same thing on XX/XX/XXXX and kept being declined again at XXXX XXXX XXXX. I was extremely frustrated bc this money was deposited into my account from my car insurance XXXX for my totaled car. I'm a single mom and need to buy a car for my independence to drive to work. I've been wasting my child support money that I've never touched before. I was saving it solely to give to my son when he's XXXX. But I've been depleting that money bc I have no choice. But I'm still car less & having to rely on a friend to take me to work or pay for XXXX. On XX/XX/XXXX is when I got paid out by my car insurance XXXX in the amount of {$6400.00} to purchase a car. The only reason I opened this Credit Karma account was because XXXX stated I'd get my tax refund quicker if I did. And on XX/XX/XXXX my refund was deposited into this account information the amount of {$3800.00}. I never had problems until the larger amount was deposited from my car insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They still have refused to show me any original contract showing proof of debt owed further more I think it is ridiculous that they are allowed to verify dept without showing other parties what is being used to validate such dept

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 2023-06-20
Company: Experian Information Solutions Inc.
State: VA
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:
Request for Correction of Personal Information on My Credit Report I am writing to bring to your attention an inaccuracy in my credit report. It has come to my notice that my credit report includes some outdated personal information, specifically old addresses and phone numbers. These inaccuracies are a cause of concern for me, as they may potentially lead to incorrect assumptions or conclusions about my creditworthiness. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Phone Number : XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I am therefore asking for your assistance in investigating and resolving this matter promptly. 

Attached to this letter are supporting documents that substantiate my claim. These include [ list any documents that you have that support your claim, such as utility bills or a lease agreement showing your current address ]. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documents from me. 

Sincerely, 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 2023-06-20
Company: Experian Information Solutions 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:
I have sent multiple complaints thru CFPB and FTC but I don't see why this XXXX inquiries I didn't authorized are still on my credit report when I have done my part. I've check this and reach out to the creditors that I am not aware and have no knowledge with this.

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 2021-11-17
Company: CITIBANK, N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX, I went to my local Citibank branch to open a checking account and a savings account. At the time, there was a promotion that stated if either account could maintain a balance of at least {$5000.00} for 60 consecutive days, that I would be awarded a bonus of {$200.00} per account. 

Fast forward 60 days - the bonus was never received. In fact, Citi charged me a bogus {$25.00} " fee for monthly service '' to dip me below the {$5000.00} threshold, then promptfly refunded the fee when I complained and they realized their mistake. The branch manager who I made the accounts with, XXXX XXXX XXXX, quickly resolved this mistake once notified. 

XX/XX/XXXX - I emailed XXXX XXXX XXXX to try to receive the bonus since I met all of the terms and conditions ( XXXX & XXXX ), but no response. 

XX/XX/XXXX - XXXX - XXXX email XXXX XXXX XXXX again, no response. 

XX/XX/XXXX - XXXX email XXXX XXXX XXXX once again, still no response. 

XXXX XXXX XXXX  - I reach out to Citibank through phone line and open a case against XXXX XXXX XXXX and have them look into the issue. XXXX XXXX XXXX emails me afterwards saying that he " submitted an investigation '', but then provides a copy of different XXXX XXXX XXXX  to the ones in my possession. I scan and email the XXXX & XXXX to XXXX XXXX XXXX, but obviously he ignores me again. 

XX/XX/XXXX - XXXX email XXXX XXXX XXXX, no response. 
XX/XX/XXXX - XXXX email XXXX XXXX XXXX, no response. 
XX/XX/XXXX - you get the picture... 

XX/XX/XXXX - XXXX reach out to Citi through phone line again in attempts to resolve the issue, but they are of no help and say that I did not meet their XXXX XXXX XXXX  At this point, after a year of trying to patiently resolve this, I forfeit and decided to file with the CFPB. 

Citibank provided absolutely terrible service, used misleading marketing to get me to sign up, and repeatedly ignored attempts at communication and resolution. Hopefully this case will help regulators clear up these types of practices. Shouldn't we hold these " top tier '' banks more accountable for their actions?

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 2023-06-20
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:
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 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 2019-09-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/XXXX I met with a sales person who had reached out to me about my lease coming to an end. I told him I was aware of the excessive miles and will be ready to purchase the vehicle unless he can offer me something else. Instead of looking at used vehicles with lesser miles at the same price I would buy my current lease for, I asked to hear about what he can offer me to get into a newer lease. I told him which lease I would be interested if we can work out a deal, he walks off and comes back with an other sales person who offers me a XXXX XXXX at {$570.00} for 39 months and the dealer will cut me a check to pay off the bill XXXX will send me for the remaining of my lease which he said was for {$2700.00}. We agreed on a lower monthly payment. I questioned if the only bill I will receive will be for {$2700.00} and he replied yes never mentioning any other charges or the miles so I agreed to the deal. The bill I received for my previous lease came in for {$10000.00} which included the excessive miles. I contacted the dealer right away to let them know this is not what I spoke about with the original sales person who I made clear what I was looking for. They told me the second person who made me the offer only deals with the car payments. He tells me the other sales man never mentioned anything to him about the miles. I know I was scammed. The first sales person who got the sale did what he had to do to get his sale for the month, I have reached out to him and he wont even reply back to my emails which is very unprofessional if he did nothing wrong. The dealer has done nothing at this point. I called the XXXX and he has not returned my message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BARCLAYS BANK DELAWARE
State: TN
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:
On XX/XX/2023, I received an alert through XXXX XXXX and XXXX XXXX that an hard inquiry was reported to my credit file to XXXX XXXX. The inquiry was made through Barclays Bank Delaware on XX/XX/2023. I contacted Barclays Bank Delaware, and they told me that they did not show an application on file. I told them I did not apply for anything and that to please remove the inquiry. They responded and said that since they did not find an application on file, they couldnt remove it. I advised them that since it shows that they reported it, that they have to remove it. They advised they couldnt because they dont show an application submitted. This is a fraudulent inquiry account reported to my credit file. Please help to remove this. 

On XX/XX/2023, I received an email for a credit contract from XXXX XXXX XXXX. When I contacted them they advised that they did not receive or had an application on file relating to me. This as well is a fraudulent account reported to my credit file. Please help to remove this.

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