BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: Colony Brands, Inc.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
My identity was stolen and a Swiss Colony/Montgomer credit card was open in my name and charged in the amount of {$750.00}. It appeared to have been open XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: Nelnet, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
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:
According to Equifax, my information was compromised in the latest security breech. I know must worry about identify theft forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CURO Intermediate Holdings
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debit does NOT belong to me and was a result of ID theft. At the time this account would have been opened by my now deceased brother, who lived with me and had used my personal information to open several loans/credit cards. It was not until after my brother passed away in XX/XX/2018 did I learn of his fraudulent activity and clearly have no recourse now. 

I have submitted the proper ID theft information/report to the credit bureaus, but AD ASTRA RECOVERY continues to reassert the debt belongs to me. I have attempted to resolve this matter several times with the debt collector directly and even at one point I extended a settlement offer to resolve the matter directly and remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
On XX/XX/2023, I received a letter from XXXX XXXX XXXX XXXX saying my request for credit had been denied due to a potential fraud application. They ran my credit and I have an unauthorized hard credit inquiry on my report which decreased my credit score. I called XXXX XXXX XXXX XXXX to ask them to fix this and remove this hard inquiry and restore my previous credit score but they said they could not do this and I would have to speak to Trans Union Credit Report Company. When I contacted Trans Union and asked them to remove the hard credit inquiry from my credit report and restore my previous credit score they told me they needed a letter from the XXXX XXXX XXXX requesting the removal. When I called XXXX XXXX XXXX XXXX for a second time requesting this letter to provide to Trans Union they said that they dont write those letters and that Trans Union must contact them. After numerous phone calls to both companies nothing has been accomplished and I keep getting the same answers and run around. I just want the hard credit inquiry made by XXXX XXXX XXXX XXXX removed from my Trans Union credit report and my previous credit score restored.

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 2022-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax continues to violate my rights per the FCRA. ( 1 ) When I log into myequifax.com account It displays in accurate information? It shows my credit score as a XXXX and its a XXXX. This has been going on for several months now. I have contacted Equifax and they act oblivious like they have no knowledge of this. Now when I call Equifax. Now ( 2 ) They have blocked me as I enter 100 % accurate account information in order to speak to a representative they state they I am not and cant be helped at this time. I am attaching screenshots from my account to prove what Im saying is true. Equifax is committing fraud am by charging me {$4.00} per month for a service they refuse to give me access to. At this time I am asking Equifax to immediately correct the situation and or or pay me {$3000.00} for each each violation mentioned or I will file a lawsuit for each violation, fraud, and damages. I have a right to access my credit report, I have a right to have 100 % accurate information being reported and they are not meeting the requirements per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX , 2022 ; XXXX Inquiry : XXXX XXXX, 2022 ; XXXX Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX Inquiry : XXXX. XXXX, 2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2022, I was considering purchasing a product through Shop Indoor Golf. They use Bread Financial for their financing. At that time, they sent me and adverse action counteroffer letter stating that they could not approve me for the full amount requested. The decline reason was " Estimated Ability to Repay ''. During the quick application process, they only requested my name, address, DOB and last 4 of my SSN. They never asked anything pertaining to my income. I have an XXXX credit score, am a homeowner and have a low DTI. Not sure how they can estimate or guess my ability to repay. Are they able to do it because I live in XXXX, Colorado or due to my XXXX last name. I ended up applying with XXXX and instantly was approved with 0 % interest. I have had credit for almost 20 years and do not have one negative mark on credit. I truly feel discriminated against and don't want others to feel the way I felt when I was declined due to their guesswork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-02
Company: Comerica
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
The following reprinted advertisement is a lie. I have not been able to contact any direct express customer service agent over the phone. The mobile app and the web site are not adequate to address my concerns. A high call volume is no excuse for not being able to get through to a customer service agent or being hung up on. This is outrageous and my money is being stolen. By the time this letter arrives and is processed how much money will be taken out of my account? This has always been an issue with Direct Express for all the years I have had the card. NOT using the card does not resolve the issue. 

I am having an issue with unauthorized withdraws from : XXXX XXXX XXXX XXXX XXXX d/b/a XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX XXXX Already have a Direct Express card? 
For all questions related to the Direct Express card, cardholders should call : Customer Service XXXX Customer service is available 24/7 We handle calls related to : Reporting lost or stolen cards Balance inquiries PIN changes Transaction history requests Registering a complaint about a card issue Questions about card usage Questions about international card usage You can also write to us at : Direct Express, Payment Processing Services. XXXX XXXX XXXX XXXX XXXX, TX XXXX What good is this ad if you can not get thru. Plus you don't get a routing number and you can not update anything with out a customer service rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Wilber and Associates, P.C.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received letter in the mail stating they were collecting debt in regards to an insurance claim for an incident 2 years ago. We've never been in an incident on any such date or area. Upon searching information on the collector, there are hundreds of reports they are illegally trying to collect bogus debts and once you reach out to them they are relentless in their attempts to collect and unless you hire an attorney they do not stop. I will hire an attorney if needed.

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 2023-09-11
Company: EQUIFAX, INC.
State: NC
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a promotional offer that expired on XX/XX/2023 which was only used for my daughter braces. I contacted them on XX/XX/2023 to pay off the original balance of about {$1600.00}. I can not afford to pay estimate {$1900.00} in interest. at a rate of 29.9 %. 
ACCOUNT # XXXX. 
Synchrony /Care credit 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 2019-04-20
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed this checking account 2 months ago and now they send a letter saying it's re-opened and has activity. They have no right to re-open it as they please. Should be closed.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: CarMax, Inc.
State: MS
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 applied for a car loan through Car max and they sent out my social security number to other lenders trying to get me approve without my knowledge I only applied for that particular company Car Max in XXXX, This was dated for XXXX XXXX, ongoing XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX all these car lenders and or banks were from one or two car lots I applied for and Again that was Car Max, and also XXXX XXXX the rest I had Absolutely no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EQUIFAX, INC.
State: NJ
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:
On XXXX I sent Equifax a letter via a CFPB complaint stating EQUIFAX is in violation of my privacy rights for reporting unauthorized written consent from the consumer. In there response ON XXXX EQUIFAX did not remove the items as instructed, instead claim they will try and verify the information. This has nothing to do with VERIFICATION! EQUIFAX is negligently and/or willfully failed to comply with 15 U.S.C. 1681 ( B ) and 15 U.S.C. 1681 ( A ). I did not give EQUIFAX written authorization to violate my privacy and report what congress said CAN NOT be reported on a consumer report under 15 USC 1681 ( a ) ( 2 ) ( b ) any consumer transaction with an extension of credit from the CONSUMER direct or indirect by the issuer of a credit card or similar device should be excluded from a consumer report. A CREDIT CARD IS DEFINED AS ANY CARD, PLATE, COUPON BOOK, OR OTHER CREDIT DEVICES existing for the purpose of OBTAINING MONEY, LABOR, OR SERVICES ON CREDIT NOTICES. There for the use OF MY SOCIAL SECURITY CARD ALSO KNOWN AS MY CONSUMER CREDIT CARD was used in CONSUMER CREDIT TRANSACTIONS for the accounts listed below! 15 USC 1681a ( 2 ) ( b ) STATES IT MUST BE DELETED! Section 621 of the FCRA, 15 U.S.C. 1681s, authorizes the Court to award monetary civil penalties of not more than {$2500.00} for each knowing violation of the FCRA that occurred since September 30, 1997. I will seek monetary damages along with emotional and financial damages if the accounts are NOT DELETED IMMEDIATELY BY EQUIFAX XXXX XXXX - file # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft. My personal information was used to apply for fraudulent accounts with XXXX XXXX. I have been severely affected due negative impact on credit score and reputation. This fraudulent information on my credit report has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-01-11
Company: Westlake Services, LLC
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX reposed by car on behalf of Westlake Financial- I never received no letters, no phone calls etc. so while I was visiting my daughter with all of my belongings in car including my purse and my daily medication- was taken out of my daughters driveway. I took care of the issue immediately by making a payment, however no car, no purse, no medicine. I have talked to 10 people at westlake and attempted to call XXXX all day, in order to at least get my medicine. Finally after holding 60 min and then being told that I would have to do a callback someone called me 6 hours later, I asked about my medicine. I was told by the rudest person I have ever spoken with. That the lot is open by apt only and too bad for me. I have witnesses to the call. I said I need my medicine and again was told not her problem. So I am once again on hold with them. I am XXXX years old and quite disturbed by this and not one person will help me. By the way the confirmation number for my payment is XXXX I was also told by the XXXX XXXX XXXX that Westlake did not send anything over-

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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