BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-10
Company: One Source Technology
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ADDITIONAL NOTES ( 4 ) Date Note n/a XXXX XXXX XXXX  n/a XXXX XXXX XXXX n/a XXXX XXXX XXXX n/a XXXX XXXX XXXX|PREVIOUS XXXX # : XXXXPREVIOUS XXXX  # : XXXX These issues are on my background check. I have never been XXXX XXXX XXXX XXXX. But this is on MY record. Other companies have been pulling my record too. I have not been hired by the other companies. And may not be hired by this company. This reporting on my record may have cost me other jobs too. I really need to know where these charges are from. There is not enough information here. I have copied and posted what is on my report. Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/XXXX, I contacted XXXX because I was having problems logging into the account. Prior to this contact, I had never had any problems wit, h my credit profile or any fraudulent activity. 3 days after speaking with an XXXX customer service representative, I was altered that someone had opened a Capitol One /Cabelas account in my name. I had not used my credit or left my home the entire weekend. I began to trace my activity and remembered the call made to XXXX  on XX/XX/XXXX. On Saturday XX/XX/XXXX I contacted XXXX and tried to place a fraud alter but was told I could not as the Department was closed over the weekend. I then asked to speak with a supervisor to discuss the sensitivity nature of my suspension. I was put on hold by customer service rep. XXXX and he never returned to the line. I hung up and repeated the call and spoke with customer service representative XXXX. She stated she would put a call alter on my file, but I was denied to speak with a supervisor and was told I had to put in a 24 to 48 hour request to speak with a supervisor. She also stated I had to call back between XXXX toXXXX Monday through Friday to place the fraud claim as she stated the Department was closed. 
On Monday XX/XX/XXXX, I contacted XXXX  as I was transferred over 5 times before speaking with XXXX in the fraud Department ( XXXX XXXX ). I again explained my dilemma and concern regarding my XX/XX/XXXX experience with the XXXX  customer representative. I was placed on hold for several minutes at a time only for the representative to return to the line with various excuses as to why I couldn't speak with a supervisor. 
I have yet to speak with a member of management to address my concern of how my credit profile was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I received a claim from XXXX XXXX XXXX for the collection of debt from Synchrony Bank/TJX credit card for bill from XX/XX/2018, for {$290.00}. 
I do have a TJ Maxx credit card but not this number.

I called TJ Maxx and they said my balance is zero. I pay my card every month. 
I called Synchrony Bank and they said the account was sold to XXXX XXXX. They said I could file a dispute with them and file a claim to the FTC. 
I pay my TJMaxx bill every month on time. This bill for over 2 years ago and this is the first time I have ever seen it. I believe this to be credit card fraud.

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 2023-04-14
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-07
Company: Westcreek Financial
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
A loan for car repairs was taken out without my consent by the owner of the body shop called XXXX XXXX XXXX XXXX XXXX. This occurred on XX/XX/2023 for the amount of {$2800.00}. I reached out to my bank due to an unauthorized transaction of {$550.00} from the lending company, Koalafi or AKA West Creek Financial. I called Koalafi and explained how I did not give consent for any loan to be opened. Also, I did not sign anything or see any paperwork in reference to this loan. The owner of the body shop inputted all my info without telling me about the loan, the terms/ conditions, and most importantly he forged my signature. I never signed anything. The rep said she was going to contact the body shop and then contact me. That never happened. I filed a police report for the fraudulent activity, I also filed a complaint to FTC. Lastly, I filed a dispute with XXXX. Ive done everything in my power to notify the correct agencies about this fraud and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX granted me credit on XX/XX/2016 with a balance of {$17000.00}. The card was maxed out. The Creditor closed my account and the total balance of {$17000.00} was paid in full. The account still states on my credit report as paid account but delinquent. The account was never delinquent and it was paid in full. This needs to be updated as just paid in full 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 2018-03-03
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
We have an account with Navy Federal Credit Union. While navigating around online, we decided to check out applying for a loan to buy a new car. Our lease was up in XX/XX/XXXX so we needed to get something else. We did the online application and received an approval of a loan for {$25000.00} at 3.6 %. So we started to shop around. We made a phone call to confirm the loan approval. We were never told that the percentage rate would fluctuate so drastically. 
On XX/XX/XXXX we found a used XXXX XXXX. We made a conscious decision to buy within our budget well under the {$25000.00} so our monthly payment would be affordable to us ( around {$400.00} a month ). Shortly thereafter we received paperwork from Navy Fed increasing our percentage rate up 130 %!!! We realized that it may be raised a bit, but from 3.6 % to 8.1 %?? When we called and confirmed the loan approval we were never informed that this ( 3.6 % ) applied to new cars only. We feel blindsided and upon calling Navy Fed they were no help to us. We would have never bought a used car for this price. We are now paying a extra {$3000.00} in interest charges. Making the car a ripoff!! It already has XXXX miles on it. We probably would have leased a new car or did something very different with the financing if we knew this information before signing for this car loan. Our question is why wouldn't Navy Fed tell us to call them before signing on the dotted line??? If it was a 5 % difference we would not have bought that car. 

We would love to just give the car back because the good deal we work so hard at creating just isn't that great. Any help you can provide will give us peace of mind that we tried to work things out with Navy Fed ... a wonderful banking institution, but this is creating a bad business relationship due to this car loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2019-11-26
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Application ID XXXX This application was taken and they failed to accept any proper forms of ID. In order to ID me they used incorrect data. I answered all my questions correctly and they stated they were incorrect. At that point I offered numerous forms of ID which they would not accept and would not return my calls with a manager. They ended up showing the soft hit on my credit for it regardless but then stated it was not me. I believe they are not properly identifying their customers as they are required to. This was my first time dealing with Comenity Capital Bank but all other institutions properly validate ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Current Bank. All I did was Turn my Credit Build Card Autopay feature Off and On due to an Alert that I turned it off. Then on yesterday XX/XX/2023 out of nowhere XXXX XXXX XXXXCurrent closes my account and told me in an email my account was closed 2 days priar to the Closing XX/XX/2023. I ask them why it was closed and they refused to help me by telling me. Apon review we decided to Close your account. We cant tell you why the account was closed and Hung up on me. I did nothing suspicious with the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts immediately. 

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 2020-07-23
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Better Mortgage Corporation and applied for a loan. After 45 minutes to an hour on the phone with the agent and providing all of my data for credit retrieval and wholistic financial overview, I was pre-approved for {$370000.00} with a down payment of {$11000.00}. I then began to view/tour numerous homes and after nearly 2 months, I made an offer on a home that was accepted. I paid approximately {$470.00} for the home inspection and placed {$4000.00} in escrow. When I sent the the contract to Better Mortgage, they refused to send my information to underwriting citing that my DTI was too high. I inquired about their process indicating that my DTI did not pose a problem for the pre-approval nor had I taken on any new debt since receiving the preapproval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$0.00} XXXX {$83.00} FIRST XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$990.00} XXXX {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2020, I opened an account for the Amazon Rewards Visa credit card through Chase Bank Cardmember Services. I began to use the card and would pay off the balance at each billing cycle. On XX/XX/2020 I made a payment for {$520.00} which was the balance of the account. On XX/XX/2020, the payment cleared my deposit account at XXXX. On XX/XX/2020, I attempted to make a hotel reservation with the card and the transaction was declined. I contacted Chase Bank Cardmember Services and was told that my payment had been put on hold and the hold would not be released until XX/XX/2020. I inquired why the payment was on hold. I was told that all new credit card accounts payments are put on hold during the first 120 days of the new account. I asked the Bank how this is not a violation of Truth In Lending Regulation Z 1026.10 ( a ) when the payment was made in accordance of the Banks conforming payments per the account agreement and the billing statements. I was not given a sufficient explanation and told there was nothing they could do to release the hold. I feel this policy of holding the payment is in violation of 1026.10 and is an unfair and deceptive practice by the Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
On XXXX XXXX, I decided to review my credit report.After reviewing my credit report amongst the 3 credit bureaus ( XXXX, XXXX and Transunion ), I noticed that there was unauthorized use of my personal identifying information as stated in section 603-15 U.S.C.1681a ( q ) ( 3 ) of the Fair Credit Reporting Act.Following my review of my credit report, I proceeded to file an identity theft report on the identitytheft.gov which I submitted on XXXX XXXXOn XXXX XXXX, I also submitted a letter to XXXX, TransUnion and XXXX to notify them of the situation.The specific details on my credit report that I am referring to is XXXX XXXX and they are stating that had I had a balance of XXXX which was paid then closed.Also, on my credit report is a claim from XXXX XXXX XXXX.They are stating that I have a balance which totals the amount of XXXXThat account was opened on XXXXThey have it as an open status.XXXX  also made a claim towards my report and they are reporting that I have a collection account in which I have a past due balance of {$320.00}.

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 2023-04-14
Company: Experian Information Solutions Inc.
State: NJ
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 went over my credit and noticed there are a few accounts that I did not authorize

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

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 2020-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have several fraudulent transactions on both my personal and business accounts with Bank of America. 

I got a text alert saying that there was unusual activity on my debit card. I then went to grab my wallet which I realized was missing. 

I immediately called Bank of America to report the issue. I find it weird that I got a text notification about my personal account but not for my business account. I hope they can fix this, that text notification allowed me to contact my bank and get the card cancelled immediately before any further fraudulent transactions took place. 

My only worry at this point is that my bank account is almost drained, I dont know how to run my business or pay my bills with less than {$300.00}! This is a nerve wrecking time for me, I dont want to close my business. Please 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 2023-08-10
Company: OneMain Finance Corporation
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:
This is the second request on the item. OneMain Financial claims that I applied for a loan or wanted to see offers, but I did not do so. I have never engaged in business activity with them and they have erroneously included a inquiry on my credit report. Furthermore, they have not shared any record of my application. I did not apply or submit any information online, so I DO NOT HAVE any record of this. If they do have any record of this, this would be identity theft and I am prepared to file a police report about this. Finally, I contacted XXXX about this and their fraud group looked into this and reached out to OneMain and subsequently deleted this item from my credit report, citing fradulent activity. Clearly something is amiss here and OneMain refuses to acknowledge their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, 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:
Someone stole my information to obtain a vehicle with my information and now its showing on my credit. It is for XXXX financial for {$3000.00}.

Company response to consumer: Closed with explanation