BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: Americas Car-Mart, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Colonial Auto Finance is reporting my nonpublic personal information which are credit transactions and my experiences between them. Which is illegal Pursuant to 15 U.S.C 1681a ( 2 ). I am now opting out of your reporting of my nonpublic personal information.

For as the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, nonverbal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was briefly held by XXXX XXXX. On XX/XX/XXXX I received a letter with the date in the heading of XX/XX/XXXX which stated, " after XX/XX/XXXX, all correspondence you receive will be directly from SLS. '' I had already sent in my XXXX, XXXX payment. I confirmed with XXXX that the payment had been applied but, when I went to the SLS website to set up a login, the site I was sent to alerted me that the site was unsecured and may be attempting to fraudulently obtain my information. 
If I am going to be required to enter my SS #, as the XXXX rep stated I would, I am not going to do so through an unsecured site. I looked the number for SLS up which had a high scam alert and there are many complaints online about SLS mishandling payments. What recourse do I have?

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Congress passed the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of my identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that I was not connected with the transaction ( XXXX ) involving the identity theft. TRANSUNION has failed to follow these regulations set by the Federal government. TRANSUNION ALSO HAS RECEIVED PROOF OF MY IDENTITY AND ADDRESS VIA THE MAIL AND HAVE STILL YET TO UPDATE MY PERSONAL INFORMATION INCLUDING MY PHONE NUMBER AND ADDRESS.

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 2019-11-23
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I mailed PayPal Credit a letter stating to cease all contact with me for a debt they allege I owe. I have a tracking number as well as sign conformation that they receive the letter. Then today i got a letter form them in the mail. This is in direct violation of the law. 


" Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Shellpoint Partners, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
My mortgage is through Shellpoint Mortgage Servicing, and on XX/XX/XXXX my property had a damage which insurance deemed a total loss, therefore we settled to have insurance payoff the mortgage. My attorney requested a representative from the mortgage company be at the sale of the lot to endorse the check and they were non compliant. We also submitted the 3rd party forms for them to speak directly to my attorney and have still not heard back and that has been over a week ago. The lack of response is putting the sale of the lot and final closing in jeopardy if they do not respond and comply in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-01-29
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: TD BANK US HOLDING COMPANY
State: FL
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-04
Company: DISCOVER BANK
State: NC
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:
Account was disputed as fraud. Discover Financial Services then closed the account. Account is still reporting on credit report as closed. Which it should be removed entirely as this account is not mine. Also on the previous investigation in reference to this account I never received any correspondence or resolution in writing that this account was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: ALLY FINANCIAL INC.
State: MO
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 was checking my XXXX credit report for the year like I always do annually and I noticed XXXX hard inquiries that I did not approve of and didn't know about. The companies for these inquiries are : XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX All on XX/XX/XXXX and XXXX, 2020. And also XXXX XXXX on XXXX XXXX, 2020 2020

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2018-08-08
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/XXXX and XX/XX/2017 I received a hard inquiry from XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX in connection with this request ( as I already have one and do not desire anymore at this current time. )

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 2023-11-15
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I received notification via electronic mail. In a call to Amex at XXXX on XX/XX/XXXX XXXX PM [ XXXX mins, XXXX sec ] in speaking with Fraud Division I verified that this was fraud, I was told the account was closed, and that the applicant would not be able to re-open the account. Because I inquired as to how a fraudulent entity was able to get so far as to open the account with credit alerts in place for XXXX, XXXX and XXXX [ for which I have credit monitoring ]. I was advised that Wednesday XX/XX/XXXX, I received the credit card in the mail despite that I was advised it would not be issued. When calling again at XXXX on XXXX AM [ XXXX mins, XXXX Sec ] the XXXXraud division again advised me the account could not be activated and that it was under 30 day investigation to determine how the account was opened. When I began to inquire as to how the account was opened I was transferred to the new account Bureau. The initial agent confirmed the call was being recorded and I asked how they were able to get this far without asking for verification of my identification by physical ID. The person then proceeded to read my fraud notation from one of the credit Bureau ( s ). I then asked why they did not do it. They said the called the number on file. I asked what they used to verify my identification? The agent said that all of that was destroyed. I asked if the call was being recorded [? ] to which the agent said yes. I then asked how then would you destroy information or discard that the Fraud department said it would investigate or use to investigate? He Said he followed the process which was to " call the number ''. I asked for him to produce evidence that the number was called. He then stated he could not because I closed the account. I asked to speak to a manager at which time I was sent to XXXX. I verified XXXX was recording our conversation. I again asked him to take me through the process and he gave me his assurances that Amex followed the process and then XXXX proceed to tell me I did not have XXXX Alerts on my account. He implied there are fraud alerts and their are [ implied ] separate fraud alerts. I asked whom is used in the verification and ha said XXXX. I than advised him [ as of the XXXX ] that two days after [ XX/XX/XXXX ] only XXXX XXXX had a record of the inquiry. SO if you use XXXX XXXX, how did did they not have the inquiry and XXXX did? He explained what their process was again and i asked him to repeat it for their recording. So we have XXXX Amex employees caught in lies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX have garnished from my salary because of my debt, but refused to give me satisfaction of writ of garnishment.Until now this law group had continued to garnish money from my salary for another account that had been dismissed from the court twice.I hope you can help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a prior complaint # XXXX to be exact and I Requested the account in question be removed due to incorrect information and identity theft issues. The account in question was the XXXX XXXX acct # XXXX. Equifax promptly accommodated my request and remedied my complaint by deleted the account. The information on the account has since been updated and is closer to one hundred percent accuracy. My security freeze has since been lifted. So at this particular time Im experiencing hardships with differences in my consumer score across all three agencies. I have suffered damages having my true credit age standing not being reported at all. I wish to handle this amicably ; so that I don't have to proceed with a law suit as done in the past. I have called Equifax via phone a few times and haven't had any success I have recordings of the interactions with me and the company affiliates seeing as the state in which I reside, is a one party state. The precaution taken was well with in my right as a consumer and as natural person. I will provide them if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-03-02
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 my account with chime bank got suspended due to not complying with the agreement of opening the account I was told to send documents to verify my identity I sent the documents in multiple times time after time was told by multiple supervisors that the documents I sent in would get the suspension lift so I can access my funds all was a lie when told to close the account and send the funds out the account they refused to do so so I need a lawsuit or something to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
someone tried to open a Bank of America credit card in my name. It was actually a XXXX XXXX XXXX XXXX. It was done on XX/XX/2023. The reference number was XXXX. I received a rejection letter in the mail.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXXXXXX Balance : {$1500.00}.

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 2022-01-29
Company: Great American Finance Co
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After my first complaint, XXXX ( Legal Manager ) from Great American Finance contacted me and tried to brush off the complaint. She let it slip that others are having just as much difficulty as I am understanding the account portal. I am still under the belief that they are violating 1026.7 Comment 7 ( b ) -1.ii of the truth in lending act regulation z. The account balances in the account portal are those with interest rates. I am on a deferred interest plan. Per the regulation above they must list the balance that the deferred interest is applied to. I, among others have submitted complaints against this company. I asked XXXX for statements. She said no. I asked for new coupon book, she refused. I asked for updated portal, the portal is still not updated. my 18th month is coming up and i should not have to over pay and get a refund 30 days later just because they don't want to list the deferred interest balance. How is this legally allowed to continue. I was told by CFPB that I since I refuse to accept their answer of not updating portal in timely manner, I can just keep making complaints. That is fine with me. If they are committing an illegal action above, I want them investigated. I attached what the portal looks like for me. The balance includes interest rates that I don't owe but there is a fine print statement that says the balance is accurate as long as good faith payments are made. That is false advertising.

Company response to consumer: Closed with explanation