BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: FL
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. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX 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 explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: CA
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 Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; XXXX date : XXXX XXXX & XXXX, 2021 ; XXXXXXXX XXXX XXXX date : XX/XX/2021, and XXXX XXXX date : XXXX XXXX, 2021 were properly investigated but how is that possible if these account only report on one credit bureau? This is clearly inaccurate which means it is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I have not given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: OH
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 was recently in the XXXX  for XXXX on my XXXX  a month ago. I just now got back to work. I discovered that my credit file has over 2 inquiries for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquiries Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquiries : XXXX XXXX and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquiries. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 Please delete the following fraudulent inquires : 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. Not sure how these got on my file when I already had a fraud alert on file?? I was never contacted to see if these were authorized to be made on my behalf.

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was recently in the XXXX  for XXXX on my XXXX  a month ago. I just now got back to work. I discovered that my credit file has over 2 inquiries for transactions that were never authorized by me. I have only XXXX XXXX as my only business dealings. I would never run my credit 2 times that is insane and unnecessary. Please delete the following inquiries Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b et seq. ) I never made these inquiries : XXXX XXXX and also XXXX aka XXXX XXXX. I am not sure who approve this or even made these inquiries. This is the 2nd time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 Please delete the following fraudulent inquires : 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. Not sure how these got on my file when I already had a fraud alert on file?? I was never contacted to see if these were authorized to be made on my behalf.

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 2022-12-06
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Last week we logged into an account we do not use much, it is solely for paying the mortgage, maintenance and taxes on a building. That is when we found fraudulent activity, where someone was able to clearly get in via online banking, link other accounts such as XXXX, XXXX, etc to pay off bills ( likely from a stolen identity ). We notified M & T immediately, went to the branch, got them involved, and signed all documents. They started to state it could be internal hacking on our side. We are a software company -- and know we are fully protected, but for proof, we ran full scans of our network, of the only computer that could access the account, and came up 100 % clean. Our network is locked down and secure. Furthermore, the bank could easily check IP Addresses that logged into the account, and beyond that, see there are multiple credit card payments made from our account rope in those companies and see who holds those cards. All they keep saying is " its under investigation ''. They sent a letter today refusing the credits, but their VP said " its still being investigated ''. In a matter of 2 weeks, there was over {$11000.00} stolen from my account. XX/XX/XXXX {$1300.00} paid to XXXX. XX/XX/XXXX {$9500.00} paid to XXXX. And XX/XX/XXXX {$980.00} paid to XXXX again. I am beyond disgusted that they are refusing to refund the money, and keep telling me its under investigation, and could be for up to 90 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: Comerica
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
In the process of resolving a disputed transaction that occurred on XX/XX/XXXX ( for the amt of {$600.00} ) Direct Express, on XX/XX/XXXX, withdrew {$600.00} in total from my account, deposited only {$300.00} immediately there after ( which hasn't cleared as of the date of this complaint ), and justified its actions via phone call to their customer service Dispute Resolution Dept as the being part of the decision to only allow me to recoup one part of the financial losses that occurred on XX/XX/XXXX. 

The disputed financial loss that is in dispute occurred from an XXXXXXXX XXXX that retracted the withdrawn amount due to timing out. I waited a few days to address the occurrence with the XXXX XXXX due to my thinking that the return of the credit would happen automatically. After a few days of the credit not posting for pending, i called the company and was informed that the only recourse for me was to contact my financial institution and dispute the transaction. They opened a case file and gave me the reference number to forward to my financial institution so they could use it in their investigation. When I called Direct Express the next day, I learned there was an additional ATM withdrawal that I wasn't aware of. I called XXXX again and informed them of that problem and they gave me a separate case number for that problem. It was also described by XXXX as a computer glitch. 

Direct Express provisionally resolved the dispute on XX/XX/XXXX and then later retracted that recoupment without posting the retractment to my account as a - XXXX Their process requires dispute documentation to be returned in a timely manner in order for the provisional credit to be made into an actual credit. That did not occur so the credit disappeared. This made it difficult for the service agent to adequately assist me in gathering information when I called on XXXX about the transactions. I was giving them more information than they had readily available to them. 
Revolving balance accounts are not available on the consumer side of Direct Express ' transaction records- otherwise I could attach documents that show the provisional credit was withdrawn from my account. As it stands it's only my word that i can offer. 

On XX/XX/XXXX, i sent in the dispute documentation via email and on XX/XX/XXXX another credit totalling {$600.00} was deposited to my account and was withdrawn on XX/XX/XXXX. 

While contacting the dispute dept on XXXX, I was informed that Direct Express had determined that it was only going to replace XXXX of the XXXX ATM transaction losses that led to the dispute. Furthermore, i was explicitly told that the other transaction was addressed via credit from the ATM company without any proof either on the consumer end or the service agent of my Direct Express account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNT. 
DATE OPENED : XX/XX/2020 ORIGINAL BALANCE : {$6600.00} Collection This account is unauthorized and wasn't authorized by me. NO consent.

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 2022-12-06
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
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: Was not notified of investigation status or results

Complaint:
My mortgage company has been reporting late pays to the credit bureaus for several months now. I have tried contacting them directly to have the issue resolved with no help. I have disputed it with the credit bureaus only to have them put the late pay for the current month. I have submitted a Respa Notice of Error Request to address the issue of missing and incorrect payments being reported to the credit bureaus by the mortgage lender on XX/XX/2022. I have never received anything from my mortgage lender. It is screwing with my credit score and loans that I had to take out were priced significantly higher because of this error or denied completely.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Requesting assistance from the CFPB to apply promotional offer oXXXX XXXX XXXX over XXXX  months on balance purchases of $ XXXX on Lowes Synchrony Store Card.

Contacted Lowes Synchrony on : XXXX. XX/XX/22 - Called Lowes Synchrony XXXX. Inquiry to Investigate. Follow-up letter via mail. 

XXXX. XXXX - Letter sent from Lowes Synchrony lacking conclusive data, decisions or specifics of purchases. Matter remained unresolved. 

XXXX. XX/XX/22 - Called Lowes Synchrony XXXX. Escalated to Promotions Dept.. Submitted dispute claim for $ XXXX not on XXXX  month promotional balance.30-60 day response. 

XXXX. XX/XX/22 - Called Lowes Synchrony XXXX. Follow-up on claims. Dispute Claim dismissed. Lowes Synchrony cited " Lack of information regarding itemized purchases within claim. '' Lowes Synchrony Store Card is the merchant of record.

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 2022-11-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Without warning a Wells Fargo credit card I've had for well over a decade was closed and my rewards points were wiped out ( over {$800.00} value ). When I appealed and asked for a reason, they said they didn't have to give one. 

I have NEVER made a late payment and most of the time pay over the minimum amount. The card was used regularly. 

The past few months I did made large purchases ( remodeling a home ) and paid much more than the minimum payments. 

How are they going to advertise rewards programs and them penalize me for utilizing the card? 

The blow to my credit score, losing $ XXXX in available credit hurts in a lot of ways financially. This may be legal, but seems highly unethical as far as business practices go.

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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 account Bankruptcy # XXXX, account Bankruptcy # XXXX, Account Bankruptcy # XXXX, account XXXXXXXX XXXX XXXX # XXXX, account 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 with out my written consent.

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 2022-07-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We had one of our checks stolen from the postal service. It was fraudulently altered and deposited in an Ally Bank Account. The amount of the check was {$19000.00}. We believe it is too easy to digitally alter a check and digitally deposit a fraudulent check in a fraudulent internet bank account. Our checks have water marks, holograms and are on heat resistant paper. We try to make them very hard to deposit fraudulently. I further believe that internet banks who do not have bricks and mortar locations are accepting fraudulent checks out of necessity. They are taking a risk at my expense. I believe that Ally Bank is enabling the fraud through their week security system. In order for ally to deposit this check they had to have opened a fraudulent account for the deposit. Our bank is denying reimbursement for the stolen {$19000.00} because we did not realize the fraud had accrued soon enough. I do not think that it would have mattered if we notified them when it happened. I believe it was too late when it happened. How can this be our fault?

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 2022-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In the month of XXXX I found out that I had a late payment from Wells Fargo Bank on my XXXX XXXX XXXX There was a balance on it for {$2.00}, XXXX the balance was from XX/XX/XXXX. For some reason I have not been receiving any statements at my new address which is XXXX XXXX XXXX XXXX XXXX ca XXXX. I was also sick with XXXX in and out of the hospitals. Once I found out that I have a late payment I went ahead and payed off my balance. Now It is reported in my credit with XXXX and all the other credit places as a late payment. I am trying to buy a new car and this is really effecting my credit score. If it's possible can the late payment please be removed. I have a great credit score, I have never been late on any of my credit card bills. For some reason I am not sure why I wasn't getting any statements from Wells Fargo. I do not have the card with me since it is a closed card but my social security number is XXXX birthday is 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 explanation
Consumer complaint received 2022-12-06
Company: World Omni Financial Corp.
State: SC
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:
Ive tried online disputes 3 times already and they only come back saying account was verified. I was told the account was closed but it is still showing as open. Theres a balance of XXXX with monthly payments of XXXX. Theres no way we can owe XXXX a month if the whole amount owed is XXXX. I contacted southeast Toyota finance today and they told me it wasnt their issue and I needed to call the reporting agency. XXXX, the XXXX reporting agency Ive checked, told me it was the companys responsibility. So Im just trying to get this fixed! Any help you can give would be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a car loan account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: SANTANDER HOLDINGS USA, INC.
State: SC
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:
On XXXX XXXX, XXXX, I received three hard inquiries in regards to accounts being open with : Chrysler Capital XXXX XXXX XXXX XXXX, XXXX TX XXXX In communication with Chrysler Capital, the credit inquiry is in regards to a vehicle loan not requested by myself from XXXX XXXX XXXX XXXX Dealership in Texas. This is a case of stolen identity and fraud. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX In communication with XXXX  XXXX, I was advised to send an email in regards to the credit hit but not given any information on what the credit hit was for. This too is a case of stolen identity and fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX In communication with XXXX XXXX, I was informed a XXXX Credit Card was opened without my consent and not by me. I was informed the account was now closed and reported as fraud and disputed for credit resolution. This is a case of stolen identity and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Not long ago, I obtained my credit report and discovered that my identity has been compromised. This regrettable occurrence has had an adverse impact on me, given that I am presently in the middle of purchasing a new residence for my family. I feel deeply distressed by this experience and am seeking your immediate aid to eliminate the fraudulent accounts from my credit report. All the necessary documentation has been provided for you perusal. Thank you. Please see 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 2022-12-06
Company: NBT BANCORP INC.
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
NBT Bank, a New York bank, failed to cancel a car loan payment made through their internal bill pay services after I had explicitly canceled internal bank payment. 

On XX/XX/2022, I called to have their internal payment canceled. This was in order to control my payment through their provided web portal. In the call with customer service, I was sent a form to fill out, sign, and return by email to cancel their internal payment. I returned that same form on XX/XX/2022 to XXXX. 

On XX/XX/2022, I found that not only did they NOT cancel their internal payment for my auto loan, but also the payment that I setup to replace their internal payment was charged. I called their customer service questioning why my cancelation request was not put through. I was informed that they had received the request but had failed to cancel their internal payment. I was then informed that they could not cancel, refund, or stop either payment made to NBT Bank. 

As a result of this, I have been double billed for an auto loan payment and was required to make efforts with my own bank to cover the unexpected expense of double billing.

Company response to consumer: Closed with monetary relief