BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
While shopping in store at the store in XXXX XXXX, MD as I finished shopping and went to the register for checkout, my cashier asked me if I would like to apply for a XXXX credit card. She did not specify if it would be a store card, or a master card. So I asked her to only be considered for a master card and she nodded her head ok, and proceeded to use my information to apply for a credit card. She said I was approved for a total amount of {$650.00}. She did not disclose to me the terms or any TILA, disclosers. She gave me a discount and said she does get more $ $ when customers apply and thanked me. Upon receiving a statement as well as the XXXX XXXX, I noticed It was not what I as the consumer requested. They approved me for the XXXX XXXX XXXX, which I did not request at the time of applying on XX/XX/2022. They have also violated me using deceptive debt collection practices by calling me and using a postage with their logo on it which is a violation under title XXXX, they were marketing a master card which is not what I received. After speaking to a Senior customer service agent today by the name of XXXX at the Ohio office, he explained that XXXX cashiers are not aware of the interest fees, application process, or approval process and that she should have told me to contact the bank. If they are not aware of laws, or fees or anything pertaining to what they are advertising then they should not be advertising it! On top of that they had the incorrect mailing address on my account which affected me to not receive my statements or credit card. According to 12 CFR 100.2, I Can not be denied credit on application. I CLEARLY was denied credit ( mastercard ) which is in violation of the FCRA. They have violated me many times within the last few months and as a consumer this is traumatizing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. Please delete the following ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
My vehicle was vandalized, my insurance company started working on the claim, and then suddenly I lost all contact with them, I wasnt getting any response from them for weeks, the next thing I hear is that my car is repossessed and that the insurance claim is denied. I am notified that it is my responsibility to bring my insurance company information or evidence proving the guilt of someone other than myself in order for them to go forward with the claim ... the police tell me to stay away from the person who did the vandalism due to a history of violently attacking my property and the assault arrest he had on him due to breaking into my house and attacking me. But I get notified that my finance company is now brought the balance to collections and it is ruining my credit, I am XXXX already and can not afford to pay for something I did not do. So I go investigate the matter, I go back to the apartment complex and I go door to door asking everyone if they remember seeing anything, I find a witness who remembers everything perfectly and I tell my insurance company FINALLY I found the evidence that they so relentlessly needed, and after months of being told I need to do something in order for my insurance to take action and then accomplishing that task only to be told I need to do more, to finally find enough evidence, bring it to them, and now have them tell me, that even though I was insured by them at the time of the vandalism, because the vehicle is now repossessed and in the possession of the Lien holder I do not have the right to file a claim and it would be the responsibility of the lien holder to file a claim if they so chose.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have an FTC report and police report. XXXX XXXX has refused to remove this fraudulent account from my consumer report. I sent XXXX XXXX ( XXXX XXXXXXXX XXXX ) a notarized affidavit of Truth. She is refusing to remove it. XXXX XXXX broke the law. The dealership forged my signature. The NY attorney general sued them for restitution in the amount of {$300000.00}. The federal laws that were broken are : 15 USC 1 which states EVERY CONTRACT IS ILLEGAL. 15 USC 1605 TRUTH IN LENDING ACT. 15 USC ( b ) ( a ) ( 2 ) ) : A consumer reporting agency can not put anything on my consumer report without written instructions from the consumer to whom it relates. WITHOUT MY CONSENT IS IDENITY THEFT. FORGING SOMEONES SIGNATURE IS A CRIME. I HAVE ASKED XXXX XXXX TO PRODUCE THE WET INK CONTRACT SEVERAL TIMES AND TO NO AVAIL IT DOESN'T EXIST. THEY HAVE ONLY PRODUCED A COPY WHICH IS NOT MY SIGNATURE. THE DEALERSHIP IS NO LONGER IN BUSINESS.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: MT
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 contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have contacted XXXX, Experian, XXXX, and XXXX, with no results on removal of this account. I will attach a copy of a document from XXXX showing an account with my husband, a do not send anymore dispute letters, and a copy of the loan history from XXXX XXXX XXXX. The report document from XXXX shows that account number XXXX XXXX XXXX XXXX  was discharged through bankruptcy XX/XX/XXXX, This account for {$24000.00} was reaffirmed and paid in full ( 1st error ). The Payment History stops XX/XX/XXXX, If you will look at the loan history I have included you will see that the loan was paid through XX/XX/XXXX ( 2nd error ). 
While this loan covers 7 years the " Terms '' on the XXXX report show O ( 3rd error ). The " High balance '' and the " Recent balance '' are Not reported ( 4th and 5th error ). These errors from XXXX XXXX XXXX  are also in XXXX, Experian, XXXX, and 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 2023-09-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX keep reporting negatively on several months of the loan after it was settled i am wanting this account deleted from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My XXXX credit card has been paid on time since I opened it 30 years ago. I had it on an auto pay schedule. Somehow the auto pay was removed and I was getting late charges and reported as 30 & 60 days late. XXXX said they mailed me a letter however, I did not receive them and then my area was severely hit by XXXX XXXX. 
I spoke to XXXX regarding this problem and paid the credit card off immediately. I have spoken to XXXX several times over the period of two months and I was never told that the credit card was reporting late because it wasnt paid by the auto pay. I just discovered this late When I applied for a mortgage. The mortgage broker said my credit score had dropped over XXXX points. My score is currently at a XXXX and it was previously at an XXXX or XXXX. Ive never made a late payment in my life let alone a late payment on this particular card. 
I need to get this resolved ASAP as I am trying to buy a new home that closes by the middle of XXXX. 
Urgency is of the Essence. 
XXXX told me today that they will send it up to their team and that they will be able to get back to be with their results within 30 days or longer. That timeline is very long and I need to try to move this along more quickly. I have been very diligent in making my payments on time for my entire life only to come to this one snag that is going to affect me being able to close on a new home. I am currently homeless due to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have held a PayPal account in good standing for nearly XXXX years. In XXXX I filed a fraudulent purchase report when a seller did not follow through with their end of the transaction. Now PayPal has closed my account permanently with no explanation. I use my PayPal account as a means to make payments safely and I have done nothing wrong to warrant my account being closed. PayPal will not reply to my requests for reasons as to why they closed it, nor can I reach a live person for customer support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I am writing to express my extreme dissatisfaction and frustration regarding a recent experience I had with Title Max, specifically in connection with the repossession of my vehicle and subsequent damage that occurred during the process. 

My vehicle, was repossessed from my home by XXXX XXXX XXXX XXXX at the behest of Title Max. Subsequently, I utilized Title Max 's services and paid the necessary fees to reclaim my vehicle. However, upon receiving my vehicle back, I discovered significant front-end and tire damage that rendered it undrivable. 

This damage was not present before the repossession, and it is clear that it occurred during the towing process. This process is the result of Title Max, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I am extremely disappointed and frustrated that the vehicle, which was in proper working condition before the repossession, has now sustained damages that were not my responsibility. 

I have made attempts to address this issue with Title Max, but regrettably, my concerns have not been adequately addressed. The lack of communication and resolution from Title Max is deeply troubling, especially considering the financial investment I made to reclaim my vehicle. 

As it stands, I am unable to use my vehicle due to the damages incurred during the repossession process, and Title Max has made no effort to rectify the situation or compensate for the damages. Nor has title max forgiven the loan. They call me daily to collect and advise of interest and when I mention my damaged vehicle they claim they will check on it and contact me later. 

Titlemax was made aware nd has provided no assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had traded in my XXXX for the XXXX and paid an additional $ XXXX because I was up down to pay off the Chrysler loan. They are satisfied in full, but are refusing to remove themselves and close their loan on my credit. Also XXXX had a hard inquiry for a XXXX  XXXX  card, they told me it was a soft inquiry. I have spoken to them twice. They never even sent me the card. I called twice the first time they said cause I applied as XXXX ( my married name ) they saw XXXX and XXXX on my report and got confused, had me send in my Drivers license and a copy of marriage license. Then I call back they said they never sent it because my app expired, and I should reapply. But their initial hard inquiry is hurting me and it was only supposed to be a soft inquiry so thats very misleading. It needs to be removed please. They have not updated on their end and its hurting my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Experian Information Solutions Inc.
State: PA
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:
Spoken with XXXX XXXX via certified letters. Company continues to send letter requesting additional information. Sent verification via certified mail proof of inquires on report. Company continues to request same information. Each letter cost XXXX this is my third attempt.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2022-02-10
Company: AES/PHEAA
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: Account status incorrect

Complaint:
I was alert by credit karma that there was a collection in my credit report. 

Thats how I found out about credence resource management company. First of all, I never received any letter of intent to collect debt from them. They claimed the sent letter to my house. I told them I moved but my family still live there and I still collect my letters there. So I asked for a copy of proof for original letter they sent. THEY COULDNT EVEN DO THAT. they were stalling. I tell you why I asked for proof because 1. I have a post office account where they scanned all letters into system 2. We can see which letters are going to be deceived each day 3. So if they give me a copy and I can look back to the date of that week and see if it was actually deliever or not. But they couldnt produce it for me. So they lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
See attatched XX/XX/XXXX STATEMENT. XXXX SENT XX/XX/XXXX {$200.00} & {$280.00} TO COVER MERCHANTS NOT DELIVERED ITEMS. ( XX/XX/XXXX BOTH THESE ARE NEW CHARGES. ) ** XX/XX/XXXX TOTAL CREDITS APPLIED THIS PERIOD ARE {$910.00} ALL CREDITS ARE PERMANET FROM MERCHANTS. USAA REVERSES MERCHANTS CREDITS NEVER PROVIDING PERMANET USAA CREDITS APPLIED TO BALANCE AND USAA STEALS THE MERCHANTS CREDITS CLAIMING THEY ARE USAA CREDITS. USAA FABROCATES FRAUD PLACING TEMPORARY CREDITS TO BEGIN AN INVESTIGATION XX/XX/XXXXXX/XX/XXXX ** AFTER MERCHANT PAYS XX/XX/XXXX {$200.00} & {$280.00} MERCHANT CREDITS STOLEN AFTER MERCHANTS PAID FOR UNEARNED INCOME TO STEAL MERCHANTS CREDITS AS THEIR OWN. SEE TRUTH ON STATEMENT XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: KY
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  Accounts has Violated my Rights # XXXX XXXX XXXX, # XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 Section 602-A- States I have the Right to Privacy 15 U.S.C. 1681 604A Section 2 It also states a Consumer Reporting Agency can not furnish an account without my written instructions 15 U.S.C. 1681-Congressional Finding & Statement of Purpose Subchapter # 3 A-4 There is a need to ensure that Consumer Reporting Agencies exercise their grave responsibilities with fairness. impartiality, and a respect for the Consumer Right to Protection

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 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX Transunion XXXX XXXX XXXX I was looking at my Credit Check Total credit report and i noticed that XXXX and Transunion are reporting two unknown inquiries on my credit report. The inquiries have not been applied for by me. The inquiries are unauthorized and fraudulent. I was able to add a security freeze on my credit report so this does not happen again. I also spoke to customer service agents from XXXX and Transunion and requested that the fraudulent inquiries be removed from my credit report. The bureaus will not remove the inquiries from my credit report and they will not give me a reason. I do not know what to do.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: MS
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:
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
closed on mortgage and made first scheduled payment in XX/XX/2018. Soon after Pennymac began saying we were behind with amounts swinging wildly one way or the other. We have made all payments, although a few have been late, and they are now threatening foreclosure although my records show me current. I have sent a qualified written request to have a complete accounting of all payments to try and figure out what is wrong but they have not sent a reply or accounting of payments.

Company response to consumer: Closed with explanation