BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: AES/PHEAA
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: Report provided to employer without your written authorization

Complaint:
Upon my review of my consumer reports it has come to my attention that you Fed Loan Servicing are reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The 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 c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXX, XXXX, XXXX, XXXX XXXX I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. Fed Loan servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information.

See below on the 11 accounts that need to be deleted off my credit report immediately 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 have been working with Discover card for almost a year in which some tickets purchased on XXXX were charged to my discover card. I originally tried calling XXXX at the phone number referenced on my discover statement but due to the pandemic, there were no customer service agents working so they do not allow u to talk to a live person. I tried messaging XXXX to no response. Therefore, I filled a fraud dispute with discover card and three times I called and spoke to representatives. They provided me documents from XXXX that indicated the tickets were emailed to an email address that wasnt mine and the charges were made by an electronic device that was in another state that I have never been to. Discover card had put the charges on my account and reversed them 3 times as we went back and forth. They first agreed then put the charges back in my account each time discover did not notify me why the charges were put back on my account. I had to call discover and have them send me and tell me why the charges were put back on my account. Honestly, I think they wanted me to not notice or get frustrated and just pay the charges. The last time they put the charges back in my account, I called customer service and was on hold for 45 mins and transferred to 3 different customer service agents and when the last one I was connected to she said hi and then hung up. So I called discover back and then was on hold for 1 hour and 5 mins before I was connected to customer service and she told me that Discover had concluded their investigation and sided with XXXX. She couldnt give me any other details or information about what had chances since I talked to them last time. Honesty this is just a sign of big business being big business. They wanted me to give up and get frustrated and just pay the charges..this is what I get for being a tax paying good citizen. All is forgotten that my hard earned tax money helped bail these companies out in 2008. No justice for the little guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My sister and I have a home mortgage with Wells Fargo issued XXXX of XXXX. In XX/XX/XXXX we had a business fail and we declared a Chapter XXXX bankruptcy but did not include the home mortgage. We did not realize until we tried to refinance in XX/XX/XXXX that Wells Fargo never reported on my sister 's credit that she had a home loan and that in XXXX of XXXX Wells Fargo stopped reporting on my credit and stated our loan was terminated. ( lesson learned check your credit at least once a year ). the institution i was trying to refinance with to use my VA thought i was committing fraud but all this came up after i paid for the appraisal and paid for a lock on the rate. ( about {$800.00} total ). In XX/XX/XXXX we contacted Wells Fargo to try to straighten the mess out because financing VA and having an FHA loan triggered a CAVIRS flag with FHA because of the " terminated '' on my credit. Yet the entire time Wells Fargo sent monthly statements and we continued to pay the house payment on time monthly. We requested as did our refinance lender, the payment history and to straighten out the reporting. This was in XXXX and now in XX/XX/XXXX Well Fargo still needs more time to provide a payment history and correct the reporting. As a result we had to withdraw the loan application and now we are out the {$800.00} we spent trying to refinance. We have talked to many levels of Customer service.

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 2017-07-20
Company: Bread Financial Holdings, Inc.
State: LA
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:
Comenty Bank/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting Comenty Bank to correct the negative remarks on the credit bureaus and close out the case as it was discharged. Comenty Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. Comenty Bank has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with Comenty Bank I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. Comenty Bank started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XXXX - XX/XX/XXXX Then bank late from XX/XX/XXXXXXXX to present. During the months where they report current in XXXX, there was no communication with Comenty Bank. Why would they report current for some 5 months and then late again. No written communication from Comenty bank has been received since the discharge. My attorney stated that Comenty Bank was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr liberative prescription period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief Comenty has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Because I have already filed a complaint about this back in XX/XX/XXXX, I will be brief and simply attach a written demand I submitted to Discover Card 's XXXX XXXX today. 

Discover continues to reapply an illegitimate charge of {$1800.00} to my account and, shockingly, today it advised me that the dispute went to an unidentified, unilateral, third-party arbitrator/arbitration service, which, on its face, is outrageous. I took no part in such process and in any event, the reason for the reapplication of the charge is unlawful, unfair, deceptive, and smacks against well-settled contract law. 

I demand that this {$1800.00} be fully and finally removed from my account. I will not waste anymore of my time addressing this dispute with inept Discover Card, unless it is through legal action that I have authorized my attorney to undertake in the event this unseemly and senseless process is not fully and finally resolved in a favor manner by XX/XX/XXXX. 

Also, because of Discover 's unacceptable, irrational, and highly inept business practices, I was forced to terminate my XXXX relationship today, XX/XX/XXXX. I can not rely upon or trust this company and it is causing me immense emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2018 the amount {$1400.00} I sent a dispute through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: TX
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, XXXX XXXX, am filing this complaint on my own, with no help from anyone else. My FTC Identity Theft Report and detailed complaint are attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. 

I have never approved or given specific written authorization to any 3rd party affiliate CRA to share my data with the following firms ; please be advised that without my consent, you are committing identity theft, and you have no legal basis to do so under 15 USC 1681 : -XXXX XXXX XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX -XXXX XXXX  opened : XX/XX/XXXX -XXXX  opened : XX/XX/XXXX -XXXX XXXX XXXX opened : XX/XX/XXXX XXXX XXXX opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Unrequested XXXX " Direct Deposit, pre-paid XXXX '' phishing scam from " Brinks Money '' asserting I have an account at XXXXXXXX XXXX XXXX  XXXXXXXX XXXX  Problem is, XXXX 's information indicates they don't service our zip code... meanwhile, Brinks requests all sorts of info : SSN, DOB, address, etc.

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 2017-07-22
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I paid $ 50k approximately for a used rental XXXX XXXX ; that is only reported being sold as $ XXXX ... Apparently the maintenance and detail purposely ruin the vehicle even more based off my readings and personal experience. Now after three days in the shop, they 've destroyed my interior, exterior, and engine! The interior they replaced the mats with older ones, stained them, stained the inside AND EVEN PULLED THE LEATHER!! I 'm the only person that sits in this car, there 's no way that just happened! The exterior now has numerous scratches that were not there! AND THE ENGINE NOW MAKES NOISE!! XXXX EQUALS FRAUD ABUSE AND WASTE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Experian Information Solutions Inc.
State: LA
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 was included in my husband 's bankruptcy case. A discharge was ordered. XXXX forwarded by file to a collection attorney. My attorney wrote 2 letters for which XXXX attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The supervisor, XXXX in the Bankruptcy department stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. XXXX has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.

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: Experian Information Solutions Inc.
State: TX
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, XXXX XXXX, am filing this complaint on my own, with no help from anyone else. My FTC Identity Theft Report and detailed complaint are attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. 

I have never approved or given specific written authorization to any 3rd party affiliate CRA to share my data with the following firms ; please be advised that without my consent, you are committing identity theft, and you have no legal basis to do so under 15 USC 1681 : -XXXX XXXX XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX - XXXX XXXX opened : XX/XX/XXXX -XX/XX/XXXXopened : XX/XX/XXXX -XX/XX/XXXXXX/XX/XXXX opened : XX/XX/XXXXXX/XX/XXXXXXXX XXXX opened : XX/XX/XXXX XXXX XX/XX/XXXX opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a piece of mail from Bank of America which stated that they recently received two applications from me for a Mastercard. I never applied with Bank of America for a Mastercard.

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 2022-06-15
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation