BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NM
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681b PERMISSIBLE PURPOSE and Aggravated Identity Theft under 18 U.S.C 1028 A. 

******I sent a letter to EXPERIAN XXXX XXXX XXXX and XXXX XXXX reinvestigate these accounts that are reporting illegal transactions late payments. XXXX refused to investigate. Please see attachment XXXX LETTER I am aware that transactions may be applied to the consumer account as per XXXX LETTER. This applies ONLY if the consumer gives WRITTEN consent to do so. Remove these accounts below immediately. 

******15 U.S.C 1681 A ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report *****Accounts in dispute pasted 30 days : XXXX XXXX XXXXXXXX ( EXPERIAN, XXXX ) XXXX XXXX XXXX ( EXPERIAN, XXXX ) XXXXXXXX XXXX XXXX XXXX ( EXPERIAN, XXXX ) XXXX XXXX XXXX EXPERIAN, XXXX ) XXXX XXXX XXXX EXPERIAN, XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX ( COLLECTIONS ACCOUNT ) ALL reporting XXXX XXXX XXXX XXXX XXXX has performed Aggravated identity Theft according to 18 U.S.C 1028 A. To obtain information from my report without my knowledge or written consent to furnish an account on my behalf. This is another violation of 15 U.S.C 1681 N. Remove this account immediately. 

*****18 U.S.C 1028a ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

*****15 U.S.C 1681 b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. 
*****USPS TRACKING NUMBERS : XXXX EXPERIAN XXXX ( XX/XX/XXXX  ) XXXX XXXX XXXX ( XX/XX/XXXX  ) XXXX XXXX XXXX ( XX/XX/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 2022-09-21
Company: Experian Information Solutions Inc.
State: IN
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:
Someone is using my information to open fraudulent accounts which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below XXXX XXXXXXXX - 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 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent.

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 2019-12-16
Company: Experian Information Solutions Inc.
State: AZ
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 have tried multiple of times to get XXXX  to send me my past applications for my forbearance and deferments and they only sent a letter stating my loans are in good standing but my loans are showing past due XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX which is causing me to have multiple late payments hurting my credit score when i have always made sure my loans were deferred until i am able to pay which is soon but i need this fixed on their part. They have not shown proof of the student loans which were consolidated but XXXX  is still showing multiple of closed student loan accounts with bad payment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: QuadPay
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company was notified via mail by the attorney XX/XX/XXXX of the stop order because ch XXXX bankruptcy was filed. i also emailed them XX/XX/XXXX on five occasions of the bankruptcy and included case number and attorney information. My attorney also emailed and provided the case information. The company continues to automatically bill weekly and does not allow me to stop the automatic billing. When i called on XX/XX/XXXX, I was told the company has no bankruptcy department. 

attorney : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CORELOGIC INC
State: NY
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 have a few accounts on my credit that i dont ever remember apply for. These are inaccurate and Dont have a right to be on my credit report. 


XXXXXXXX XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX BANK XXXX Bank ) XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )

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 2019-12-16
Company: EQUIFAX, INC.
State: AZ
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:
My loan # XXXX with XXXX was paid in full on XX/XX/2019, and the account closed. 

For an unknown reason, XXXX continues to report me as delinquent on my account. They are destroying my credit and they wont fix it. When I call they tell me theyll fix it, then the next week they report me as delinquent again. The company and customer service will not actually fix it. They are destroying my credit when my loan is paid in full and closed. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2019 I reported the following unauthorized charges on my Direct Express MasterCard Depbit card by phone. 

XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$0.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$2.00} XX/XX/2019 XXXX XXXX  XXXX, XXXX, CASH PURCHASE {$71.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$3.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, CASH PURCHASE {$100.00} XX/XX/2019 XXXX XXXX  XXXX  XXXX XXXX, INTERNET, INTERNATIONAL PURCHASE FEE {$0.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, INTERNATIONAL PURCHASE FEE {$1.00} XX/XX/2019 XXXX XXXX XXXX, XXXX, CASH PURCHASE {$61.00} There are 10 separate charges in the total amount of {$390.00}. 

I also submit two written notifications. One as instructed by Direct Expressed and another written by myself. Both, were submitted  within the 10 day requirement per Direct Express instructions. 

On XX/XX/2019 Direct Express made the following adjustments to my account balance. 

XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$2.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$71.00} XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$3.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$100.00} XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$2.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$96.00} XX/XX/2019 XXXX,, INTERNATIONAL PURCHASE FEE REVERSAL {$1.00} XX/XX/2019 XXXX,, REVERSAL CREDIT {$61.00} There were 8 separate credits in the total amount of {$330.00}. Which left an outstanding balance of {$56.00}. I was also charged for a replacement card in the amount of {$4.00}. As well as a fee for expedited delivery of my new card {$13.00} This new card was sent out in an expedited manner because the first replacement card never arrived. I was under the impression that there would be no charge. 

On XX/XX/2019 the following unexplained charges in the total amount of {$3.00} appeared on my card account. 

XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$0.00} XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$0.00} XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$1.00} XX/XX/2019 XXXX,, DEBIT ADJUSTMENT {$1.00} All told the outstanding balance suffered by me personally for unauthorized fraudulent charges on my card is currently {$76.00}. 

When I phoned in to originally provide notification of the above unauthorized charges I was told that I would only be able to dispute 5 of the charges because the others were still pending. The charges that I was told I could dispute did not correspond to the charges that were presented on my online account. I objected. But, my objections were dismissed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-14
Company: Affirm Holdings, Inc
State: SC
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:
AFFIRM INCXXXX XXXX violated my consumer rights. AFFIRM INCXXXX XXXX XXXX XXXX cease and desist via certified mail and signed the green return receipt proving they received it on XX/XX/2022. I have attached a copy of the certified mail receipt and a copy of the signed green return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America fraudulently tried to open a credit card in my name on XX/XX/XXXX. I forwarded the email to their abuse email address to notify them that I did not apply for a credit card and this is fraud. They sent another email on XX/XX/XXXX advising me that they could not pull my credit report because I have a freeze on my credit. Again, I responded this is fraud as I did not apply for credit. On XX/XX/XXXX and XX/XX/XXXX they sent me text messages " regarding my credit request ''. I know that Bank of America was recently fined by CFPB $ XXXX in XX/XX/XXXX ; apparently they are STILL trying to open accounts without permission!! They need to STOP!!!! I believe they have my name and information as I used to be POA on my dad 's accounts at Bank of America ( which we closed ). I never applied for a credit card, am not a customer of Bank of America, and years ago, placed a freeze on my credit as I don't need credit and to protect myself from fraud. But that isn't stopping them from harrassing me to unlock my credit so they can process a fraudulent credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX - XXXX XXXX  on XX/XX/2021 ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX - on XX/XX/2021 ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
I have been reaching out to Ally Financial for financial hardship while my account was current since XX/XX/XXXX. I had explained my financial situation and been declined any support. I would make phone calls a few times a month and email because I was not getting help. My account had became past due XXXX months, but i was still making partial payments monthly, I was told to keep making my partial payments and to call back and see what support I can get qualified for. Each call I made I was told There was nothing available. But I was advised to keep making as much payment as I can, which I continued to do, I made partial payment all the way through beginning of XX/XX/XXXX, and as I was trying to log in and make another partial payment today XX/XX/XXXX, I was declined to do so I called Ally Financial spoke with 2 different representatives XXXX XXXXXXXX who informed me that I will need to make a payment by XX/XX/XXXX, as my account is in jeopardy of being processed as a repo. I asked for an extension to XX/XX/XXXX, which I was denied, I said what other options do I have, she said the car will just be XXXX, I hung up and then called back and spoke with XXXX XXXX, no extension can be given, I was informed that payment need to be received by XX/XX/XXXX by XXXX XXXX standard time and to call Ally back with a confirmation number once payment is processed through with a money gram. If its after XX/XX/XXXX, my account will be transferred over to a repo list and basically my account is auctioned off to repo companies. I said okay, Ill get it paid by XX/XX/XXXX, but by the end of the night on XX/XX/XXXX, a repo man came and took my vehicle. I explained that I just spoken with the bank this afternoon and I was told that if I did not pay my past due by XX/XX/XXXX then my car will be placed in repo but my car is not on the list to be repossessed. He said ally released my account to repo companies. He also said Ally Financial Bank is known to do this With their consumers, they tell the customer something else but release account to repo companies, and that hes repo a lot of cars from Ally Financial Bank. How is it that I continue to reach out every single month, Sometimes 3/4 times a month and Ally stated on their recorded line that I had until the end of XX/XX/XXXX to make a payment of {$940.00} before my account gets auctioned off to repo companies and then the same night my car is repo? XXXX also stated that by XX/XX/XXXX, there maybe a possibility of my account being released to repo companies. But my account was auctioned off XX/XX/XXXX to repo.

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 2023-06-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and noticed a collections account for an apartment complex that I've never lived at or signed a lease for. This is identity theft and fraud and they are trying to collect on a balance that I do not owe, they are unable to provide a copy of any lease or form bearing my signature, proving that I signed a lease to live there ACCOUNT : GENESIS CREDIT Original Credit : XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: NC
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:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I had a XXXX XXXX XXXX car financed from GM FINANCIAL in XXXX. Actuall car financed amount was XXXX received from GM FINANCIAL. Until now i have paid almost XXXX $ from this amount GM FINANCIAL. but GM FINANCIAL took XXXX $ as interest and they treansferred only XXXX $ for car. they are charging me 18.00 % APR. monthly XXXX as interest, and i requested one letter they are not providing that letter. when i requested pay off it was showing again the actuall fiannce amount like XXXX the dealer and GM FINANCIAL are cheating me. not provinding the requested letters and tried to reposition my car once aswell. when i ever iam sending one email to send the information they are telling in 10 emails that they will not discuss through email. i dont know why?.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: PNC Bank N.A.
State: PA
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:
In XX/XX/2023, I used a PNC credit card convenience check that had a promo rate of 0 % interest until XX/XX/XXXX, XXXX amount was {$980.00} and fee was 4 %. 

I used the card for other monthly purchases. 

To avoid interest charges, I made payments such that all of the monthly purchases were paid off and a portion of the convenience check was paid. 

The payment I made significantly exceeded the minimum payment and covered all of the monthly purchases. 

PNC used the payment to firstly pay the convenience check amount and secondly the monthly purchases which resulted in me being charged interest on the purchases. 

I called and spoke with a customer representative who seemed to understand but told me he would have a manager call me. 

When I spoke with the manager, she explained that the payment was applied first to the lowest interest rate and refused to see my perspective or address my concerns. 

The convenience check states that any amounts you pay in excess of your minimum payment due will be allocated to balances with higher APRs before balances with lower APRs. 

I want the convenience check fee to be returned because I was prevented from using the promo rate and period. I want the interest charges to be refunded because the payments were not allocated as described on the terms of the convenience check. 

I think that the customer service staff and managers needs training and the right tools to resolve issues according to their own stated policies. 

If PNC is going to apply other rules than the ones stated on the convenience check, their explanations need to make this very clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, Mr. Cooper charged me a $ XXXX county fee. This fee was included and paid on XX/XX/XXXX during my closing. My closing cost detail sheets include this fee paid to the county. Also, Mr. Cooper charged {$5.00} in " other fees due '' for a service that was not rendered nor authorized. I never authorized an Exp Quote Delivery Fee. On XX/XX/XXXX, I placed a call to Mr. Cooper requesting an immediate payoff letter. The representative stated I needed to call back in a week and that expedited payoffs via email have a fee. I refused to pay the payoff fee and asked for a written notice on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. My request was intentionally delayed by staff. After multiple requests, I received the payoff on XX/XX/XXXX. Although, I received three other notifications from Mr. Cooper within that timeframe, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I request reimbursement for these erroneous charges totaling {$55.00}.

Company response to consumer: Closed with explanation