BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am receiving bills from Regional Acceptance Corporation at my address. The bills are Not in my name, and I did not take out a loan with this company. The name associated with the bills is XXXX XXXX and on the detachable portion of the bill a second address is XXXX XXXX XXXX XXXX. The account # is XXXX. When I called a support line for Regional a woman gave a third address ( not mine ) trying to guess my address. It is obvious to me that this is fraud, and this corporation Regional Acceptance Corporation is trying to find a person by sending numerous bills to countless individuals in order to collect payment. I asked that this practice to cease and desist but was not willing to give my personal information so now I am seeking assistant from CFPB to investigate the business practice of Regional Acceptance Corporation. I want my address cleared and no more bills sent to my home address. And I think it's prudent to investigate the process of sending bills to random people in hopes of finding a fictional person. When I called Regional Acceptance Corporation, they were not helpful and seemed to put the work of clearing my address on me. This is a waste of my time and an extension of the fraud committed. Why is this now my problem and how does Regional Acceptance Corporation get away with this practice?

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 2023-08-23
Company: Experian Information Solutions Inc.
State: CA
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:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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 and XXXX 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 explanation
Consumer complaint received 2023-09-16
Company: Upgrade, Inc.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Between XXXX XXXX one of these days I found a website called upgrade.com I assume you can apply for a credit card with this card company. I submitted my social security number and address and phone number after to come to a page that requested me to submit my banking information. So I stopped. I don't understand their application process. And I called Saturday XX/XX/2023 their customer service to see if they could delete the application along with my personal information, they said they will hold on to my personal information for 5 years. Every consumer have the right to change their mind, and don't want to be bothered with this offer. I just want them to delete my personal information that is all. 
This is suppose to be a credit card company : Upgrade com address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Most websites allow you to delete your personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I spoke to representative XXXX I believe was her name and she lied to me about Barclays sending me a letter last month of my credit decrease. She did not listen to my question and frustration that my credit was decrease almost a year ago before then transition of banana republic synchrony to Barclays. She seems very Sarcastic when I asked her about policy time frames of when does the bank realse the letter and just told me to call a different number. I was an associate banker at chase and I know this is not tolerable service not only it was rude but it was also the fact she lied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-08-07
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank has called me multiple times in one day, for many days in a row. The calls range from 3-5 calls in one day. 
XX/XX/XXXX ( 5 calls, times not recorded, but screenshots available ) XX/XX/XXXX ( 3 calls, times not recorded, but screenshots available ) XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX This is a direct violation of The Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WESTLAKE FINANCIAL SVC Date opened XX/XX/2022 Balanced - {$24000.00} XXXX reached out to them with the number provided on credit report they are basically stating that some one opened up some type of loan that i have no knowledge or given authorization for this to be appearing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I purchased product from the company XXXX using a pay in four service, XXXX. I returned the merchandise within company guidelines for a full refund. The money was returned to XXXX which was then refunded to my account at Capital One. XXXX provided me with the following ARNs for the refunds : XXXX : XXXX ( {$130.00} ) XXXX : XXXX ( {$130.00} ) XXXX : XXXX ( {$130.00} ) XXXX : XXXX ( {$26.00} ) and XXXX ( {$100.00} ) Only two transactions for {$130.00} were actually returned to my account. Capital one has instructed me to try many different things including filing two different disputes and a deposit search, all of which did not return in my favor. XXXX is no help, and neither is capital one. Someone has my money and they refuse to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: ACIMA CREDIT, LLC
State: GA
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:
As per privacy laws for me the comsumer I asked to opt out of sharing my information to a 3rd party which includes XXXX, XXXX, XXXX and other credit reporting agencies. I sent my request to company on XX/XX/XXXX, this request was effective immediately and indefinitely. I obtained a copy of my credit report on XX/XX/XXXX and Acima is still sharing this information and it is still reporting on my credit report. I wish to exercise my privacy rights and reserve all rights under privacy act of XXXX. Also according to 12 CFR section 1016.7 states a consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Fraudulent Accounts Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX P.S.- Please remove, IMMEDIATELY, all inquiries that were made fraudulently and mentioned or described in the FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-11-02
Company: MOHELA
State: IL
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:
Mohela is reporting inaccurate loan balance on my credit reports. They are reporting that I have a balance of {$150000.00} and that is inaccurate. The balance for that individual account should be {$15000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
The Motion for Relief was lifter in XXXX of XXXX. I sought the assistance of the State of Georgia and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX pledge {$5500.00} in mortgage assistance payments. The State of Georgia pledged {$50000.00}. 
We received a verbal confirmation and written confirmation that Fay Servicing would accept the {$5500.00} payment from XXXX XXXX XXXX XXXX XXXX. However, Fay Servicing returned the funds twixlce after advising that they would accept the payment. 

Now, I am no longer eligible for the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Absolute Resolutions Corp.
State: TX
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:
ABSOLUTE RESOLUTIONS INVESTMENT A DEBT BUYER, HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681. ABSOLUTE RESOLUTIONS INVESTMENT WAS SOLD MY PERSONAL INFORMATION BY THE THE ORIGINAL CREDITOR XXXX XXXX XXXX XXXXXXXX XXXX. 

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

15 U.S.C 6802 1 ( a ) ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: VA
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:
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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX XXXX XXXX XXXX  authorized without notification a fraudulent ach transfer from USAA in the amount of {$26000.00}. It has been 84 days since I filed the police report and notified XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX informed me I was past the 60 day requirement to notify of fraudulent activity. I was at 68 days to report. Fraudulent charge was debited from checking account on XX/XX/XXXX, at the onset of the pandemic, followed by state-wide shutdowns. Focus was on my XXXX, not myself until later in the shut-downs when I wanted to invest more into my XXXX for XXXX  XXXX, which is when I noticed the fraudulent charge. 

XXXX XXXX XXXX claimed they would develop a conclusion between 45 - 60 days of reporting. They are no longer providing additional information as to the status of the claim. 

Contacted Attorney General, State reps, and personal attorney. 

Causing extreme mental and emotional anguish. Police contacted for a wellness check. 

XXXX XXXX XXXX XXXX  claims they are unable to reach anyone at USAA. USAA claims XXXX XXXX XXXX XXXX  has no record of contact. Faxed information to USAA on XX/XX/20. 

Very possible I will be homeless. Loss of income for my XXXX. Mental anguish. No forbearance in reporting due to COVID-19 pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, NY 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 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
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 want the company to remove the fraudulent inquiries in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NJ
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:
I am writing to dispute the accuracy of the information on my credit report as provided by your credit bureau. Specifically, I am concerned about the presence of collections accounts and unauthorized hard inquiries that are negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ) Section 1681, I have the right to ensure the accuracy of my credit report, and I am seeking your assistance in rectifying these errors. 

XXXX XXXX XXXX XXXX XXXX XXXX ORINGAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORGINAL CREDITOR XXXX I have also noticed unauthorized hard inquiries on my credit report, which can negatively impact my credit score. I have not authorized any organization or individual to access my credit report for the following inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: CORELOGIC INC
State: TX
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 several inquires on my credit report from being a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Affirm Holdings, Inc
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened under my name without consent while I have been incarcerated in the bureau of prisons. This account can not be mine as I am incarcerated & have been since XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I did not give anyone my permission to be an authorized user on this account I would like it removed from my records completely. This is not my 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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 filed a dispute on my XXXX credit report against XXXX Bank reporting my XXXX XXXX account as past due for XXXX dollars. XXXX determined that XXXX incorrectly reported the past-due amount and changed the XXXX XXXX payment status. This dispute was filed on XXXX/XXXX/XXXX ( The same month that XXXX stated that the amount is past due, how can XX/XX/XXXX  payment be past due and it was reported past due in the same month ). XXXX is committing fraud and needs to be bared from this continued harassment because they disagree with their mistake.

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