BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
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: Old information reappears or never goes away

Complaint:
One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXXor before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
One on my credit report is with XXXX XXXX XXXX XXXX XXXX XXXX BANK USA XXXX. 


XX/XX/XXXX {$600.00} The date is incorrect, its been more than 6 years & in the state of Arizona that is past the statute. The next one is with XXXX XXXX and I'm pretty sure its the same charge from XXXX   XXXX from XX/XX/XXXX or before that year? It shouldn't be on any of my credit reports. 

XXXX XXXX XX/XX/XXXX {$880.00}

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 explanation
Consumer complaint received 2019-04-15
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian Credit Reporting On XX/XX/2019 I was attempting to speak with someone about some fraud on my account and some more-than-basic questions about locking my account. I could not get anyone to address these issues and questions. The automated line did not provide me with any options to speak to anyone or get any more information on my account or questions. Furthermore, the online reporting had errors all through the process and ended up with me blocking my own name, irreversibly without mailing something in. Yes, 2min and one wrong click to block something that can only be unblocked via mail.

After scouring the internet and trying 4 different numbers and all the consumer options, I still could not talk to anyone about the fraudulent activity on my account or my question about how this freeze would effect me. I finally contacted the business line and ( after only 3min on hold ) they gave me an extension not listed in any of the prompts where I sat on hold a while to finally talk to someone ( after 40min of holding ). I am still not sure that my identity is secured due to the lack of help from anyone at this organization.

When dealing with Identity theft, the inability to get in touch with the companies that are enabling ruining my personal reputation truly is unacceptable. Especially when they do not have any issues picking up the phone for business clients. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For anyone in the general public experiencing the same as I have, From the automated line dial option XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I asked the credit card company if I promised to make a payment after my complaint is resolved if interest would still be charged. They asked if I filed a dispute. I said I was not aware I could dispute the promotional interest charge with them and that I filed the complaint with the government. At that point I was cut off mid sentence and transferred to make a dispute before the late fee could be removed as promised and then the call disconnected. I called 3 times from the same phone and each time I kept getting hung up on. I finally called from my home number and finally I was able to get in touch with someone. 

During the call I explained the the number I found from XXXX to find out why I did not receive a bill would not connect me to a representative. I explained that I also called the store I made the purchase from and they too could not get a representative on the line. The only reason I was able to get in touch with the credit card company was because they texted me after the due date. I never received anything in the mail, phone call or email. They apologized that the mail got lost and that I received the wrong number but they could not remove the promotiinal interest charge even though I never received any mail and my account number changed without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRUIST FINANCIAL CORPORATION
State: VA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XXXX of this year Fraud occured on my account. My wife and I reached out to get this corrected. The fraudulent activity took my checking account into the negative. There was a starting balance of {$0.00} and after the fraud my line of credit absorbed the negative amount and began to accrue interest. I was credited back the wrong amount to cover the fraud. Since XXXX I have attempted to resolve the situation in a polite and respectful manner multiple times. I have gone into a branch, I have spoken with the fraud department, and I have spoken with collections. BBT now Truist has violated the Fair Credit Reporting Act by incorrectly reporting fraudulent activity which is neither fair nor accurate reporting. I have suffered credit damages from this and I demand that the requested adjustments be made. I have contacted legal counsel at this time and though I am not yet represented, we believe that there is a basis for a suit under the Fair Credit Reporting Act. The CFPB is now aware of the situation and I hope a resolution can come to fruition before a suit is filed in Federal District Court. I have also requested that a 10 day payoff be sent to me and I have not received a response in online banking. I will NEVER do business with BBT now Truist and I will actively recommend that people do not use your services based on my experience. I am utterly stunned at the lack of communication, the lack of attentiveness to detail, and finally the lack of customer care in this situation. 

XXXX XXXX at the XXXX branch however has been very helpful in assisting me but the rest of the organization Performs at a sub par level.

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 2018-04-26
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have disputed this account multiple times with Franklin collection services, both online and by mail. The same XXXX XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially. 

I only have access to limited information, because this is NOT my account. 

reporting as : account # XXXX amount : {$210.00} original creditor : XXXXXXXX XXXX XXXX I do not know the address associated with this account, because it's not my account. it more than likely belongs to my ex husband, XXXX XXXX, XXXX XX/XX/XXXX. SS # XXXX. address : XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX. XXXX XXXX. He moves and gets evicted constantly due to drug related issues, and I have court documents to show that I am not responsible for anything he did with that house or any of the utilities after we separated on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for an installment loan of {$2600.00} in XX/XX/XXXX to assist with moving expenses. I had used this company several years ago and while going through a divorce and ch XXXX BK. I received an approval email on XX/XX/XXXX that stated the loan would fun on XX/XX/XXXX. As I read the email, I noticed the checking account and debit card information listed for me was incorrect. The email showed an account with XXXX XXXX bank that I closed in XXXX. I immediately logged into my Cashnet account to update my banking information but their site does not allow customers to update their banking information online, you have to contact customer service. I followed the instructions and emailed a voided check to customer service. On XX/XX/XXXX I received an email confirmation that my loan funded into the XXXX XXXX account. I called customer service and the associate told me it usually takes 2-3 business days for the funds to bounce back and then they would update my banking information and resend. I continued to call and email customer service and they continued to say the funds were not returned by XXXX XXXX. I contacted XXXX XXXX Fraud and Collections, They confirmed that I have not been a customer in over 5 years and that my BK filing is on record and that it prohibits them from holding any funds for a past due debt if one existed. I received nitification that my XXXX payment was returned unpaid and that they would start collections process if i dont pay. Again, I never received the funds!! This is significant and demonstrates how their system is not reliable and dysfunctional. I have received thank you emails confirming receipt of my monthly installment payments since XX/XX/XXXX. I HAVE NEVER MADE A PAYMENT AND THE XXXX XXXX ACCOUNT DOES NOT EXIST! So where is the payment coming from? They have no idea because its not coming from me or any account used by me. This is prime for fraud and other financial crimes. Their system is used to facilitate ACH payments from checking accounts and the information is incorrect. I will attach a very rough document showing some of the email correspondence. I copied them as is and placed them on a word doc for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Public record information inaccurate

Complaint:
I have tried multiple times to log into transunion website only to be stopped with multiple up sell tactics in order for me to receive/request my credit report. so that I may begin to try and work on certain information within it. Their site has set within it, various add-ons that prevent the average consumer access to logon with many distractions. I can not file a complaint with them because I can not get past more expensive products being hocked from their company. What with the more than over XXXX or XXXX XXXX the company takes in annually, they shouldn't miss my rather pentence I may receive on a monthly basis.

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 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Not able to connect checking account to existing XXXX or XXXX XXXX for automated savings Tuesday, XX/XX/2020 : Customer service call to Capital One 360. The customer service employee informed me those two applications no longer were supported because they didn't want to support them. After researching the topic online, I realized Capital One did a software update about a year ago that made it impossible to connect new accounts to those applications. Since it's been a year, I can assume they have no intention of changing that and should have clearly explained that during the account sign up process. I would not have signed up for the checking account had I known they didn't work with my savings and investing plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a notice on XX/XX/XXXX stating that my account was past due for {$8.00}. this account was paid off in full in XX/XX/XXXX, and the account was closed. I called the number listed on the statement, but since I no longer had my card information, they were unable to help me and asked me to go into a branch. I went into the Downtown branch, but they were unable to help me and told me to call the number on the form I brought in. I explained that I already had, and they told me to resolve this issue in a branch.

No one at Bank of America has been able to help me, and I have no idea how there is a charge 4 months after this account was 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 monetary relief
Consumer complaint received 2019-04-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a lease with Nissan/XXXX opened in XX/XX/XXXX always paid note on time never later, no issues.. in XX/XX/XXXX there was and incident with my car also in XX/XX/XXXX got a new car.. XXXX  paid off the old loan that I had originally opened in XX/XX/XXXX. InXX/XX/XXXX.. then nissan/ XX/XX/XXXX started reporting I was late in XX/XX/XXXX I disputed then they started reporting I was late in XXXX I disputed then XXXX I disputed that then they went bac to XX/XX/XXXX .. I'm currently disputing that and nissan also sent me a letter that I was late XXXX but reporting XXXX to credit bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: NY
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:
The Credit Bureau is reporting a business account on my personal profile. The account only started to be reported after a 60-day late remark which was in direct result of covid 19. I'm in the process to apply for a mortgage and this could potentially cause me severe damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent several despite 's to experian regarding a account that DOES NOT BELONG TO ME! Experian contacted the account holder which is XXXX XXXX XXXX. XXXX XXXX sent me a letter asking to contact them and I did by mail and also by phone. I spoke to XXXX XXXX and also to XXXX XXXX which they couldnt find the so call account at first and then when they did find it, it wasnt my full name and they had a address that wasnt associated with the city or state I have lived in for over 30 years. So they advise me to contact the identity theft department which I did I called XXXX XXXX XXXX and I left a message and I havent received a call back. I contacted XXXX and the person wouldnt repeat there name and I asked to send me proof of this account and I have received any documents at all! I called experian XX/XX/2020 at XXXX I spoke with a young man which I told him every word that I am typing in this complaint. I stated the company havent sent me proof of this account and they are keeping on my credit report, so I asked experian could they provide me the proof of the account that XXXX XXXX sent them to verify that the account is mine. The experian employe on the phone said THEY DIDNT SEND OR PROVIDE US WITH ANY DOCUMENTS THAT THIS IS YOUR ACCOUNT and they couldnt send me proof because they dont have it!!!! I have follow every step and Experian is breaking the law by not blocking this account which this has cost me allot and have been a major burden!!! Under section 611 ( a ) ( 5 ) ( i ) experian are required by law to verify the accuracy of the account in question with documentation showing my signature on any contract that relates to the creation of the said account! The law is clear that a credit reporting agency does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response! Which is what they have done here! Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted!!!

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 2019-04-15
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:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, THE ACCOUNTS ARE FRAUD ACCOUNTS WHICH ARE INACCURATELY PLACED ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Premier Student Loan Center
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Premier student loan center did not infrom me that i could fill out the form on My own without charge. They didn't inform me that what they are charging me i could do it for free on student loan.gov. They have already charged me two months of {$230.00}. The dates were XXXX XXXX and XX/XX/2018. I wasnt aware they were a third party. I have been trying to contact premier student loan center but they never returned my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased a car from Kia Motors Finance on XX/XX/2018. It was stolen in XX/XX/2018. My insurance company ( XXXX ) at the time deemed it as a loss and paid Kia Motors Finance over {$19000.00} ( the value of the car at the time ). XXXX took the deductible out of the final check that they paid to Kia Motors Finance and in turn Kia Motors Finance stated that I have a balance of {$1600.00} due to the deductible that XXXX took out of their final payment. I called them and ask about the GAP insurance that was included on this Leased vehicle and they told me that the deductible is not included for GAP insurance. I told Kia Motors Finance that XXXX is not asking for the deductible because they have been satisfied and I am curious to know why Kia Motors Finance is acting as a insurance company. 

Kia Motors Finance is now making me pay for my car being stolen even though it had GAP insurance and everything was taken care of through XXXX. I made a payment arangement with them to prevent it from going to my credit and keep it inhouse. Well it hit my credit report as a missed payment which made it go down by XXXX points. Then a week later they reported as a closed account delinquent with a balance which in turn made it go down another XXXX points even while being on a payment plan. I asked XXXX XXXX XXXX could they not hurt my credit because I am paying them as agreed. 

I can not finish my home project because of this and I feel like I am suffering for something that was beyond my control. 

The amount in question is {$1600.00}. I have paid them {$350.00} which should leave a balance of {$1200.00}. They have reported a balance of {$1500.00} and that it is delinquent.

Company response to consumer: Closed with non-monetary relief