BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
ive been with american express serve and i cant access my information online banking cant use my card to make transactions or withdraw money since XX/XX/2020 cant get a hold with the bank they said online i can access my account online or on app but it wont let me in. saying my email and password in invalid so i did a recover my password and it wont let me rest my password to get in. can get a hold with the team saying they might not be able to take my calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and you are to remove and block the information identified as identity theft in the attached document.

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 2022-04-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX/DEPT OF ED 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the second time its happened its clearly seen on my credit report through XXXX the account was charged off in the amount of XXXX dollars give or take but can be found on XXXX which shows account closed with the amount I mentioned give or take. 
Now this happened where this new company or debt collector by the name of Fidelity Creditors SVC twice now filed a dispute prior on credit karma and now again through all 3 bureaus first dispute went good but then reappeared not sure how long after. Company or agency I mentioned is obviously playing games lying and ruining and now re trying to collect something that is clearly wrong and way over charged off amount from XXXX. Company provides not only an open account which is false and way past the time frame of XXXX closing and charging off years ago but also wrong amount clearly and being its the second go around they are playing games and jeopardizing a young XXXX XXXX XXXX like myself an account that shouldnt be opened and false intentional amounts over what was charged off and closed. Its taken me years and years to fix my credit due to financial circumstances and I have the opportunity to buy the condo Im currently renting. 
Im hoping to not only have this issue finally finished and handled not go back again to dispute twice gets fixed and same issue I want this false amount off fixed and the company should not even show on my collection accounts for all 3 bureaus end of story account is charged off nothing more then XXXX and account is closed. I want this company disputed action taken for them and most importantly reflect and be removed from collections accounts on all major credit bureaus. 
My time frame for this buy was until next month so if there is anyway a miracle can happen on timeliness quick results or turn around I would be so greatful! 

Thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I called my bank yesterday XX/XX/2022 ( Arvest Bank/XXXX Arkansas an requested a stop payment for 2 items that would be coming out of my account on XX/XX/2022. I clearly said to the gentleman that this was not to be effective till XX/XX/2022 but when I checked my account last night I'd already been charged {$60.00} for the stop payment ( their fee ) I called my bank XX/XX/2022 and told them they'd make a mistake and charged me immediately for the stop payment fees creating an over draft in my account of almost {$27.00} when I clearly said the stop payment was not to take effect till XX/XX/2022. I ask them today XX/XX/2022 to reverse the charges and not hold the stop payment fee out till XX/XX/2022 when the stop payment goes into effect. The gentleman I spoke to refused to do that so now I'm going to have an additional fee of {$17.00} added to my account for a mistake they made. How is that right?

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 2022-11-26
Company: DISCOVER BANK
State: OH
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:
Account number ending in XXXX Case Number : XXXX XX/XX/2022 Purchased USED video card from XXXX XXXX  that was cost {$1100.00} using my Discover card. XXXX sent me a different video card from the one I purchased. I looked online reviews of the XXXX XXXX  and it's 2 out 5 stars, people are complaining about different issues with used items sold at XXXX XXXX. I contacted XXXX multiple times in regards to returning the video card back to them, but XXXX is not providing me with the return label nor the return shipping address so I can ship it back to them. Contacted Discover card and filed the dispute, sent the pictures of the video card received, multiple explanations and documents proving that I receive the wrong item and still Discover charged me for the wrong item I received from the merchant, with no explanation whatsoever from XXXX why the wrong item was shipped to me. Paying more than {$1000.00} for the item and not having it is ridicules and Discover did absolutely TOTALY ZERO to protect their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Numerous Inquires to my Trans union credit report by this office on XX/XX/22. I tried calling back there number and the phone call will not go through. Thinking that this is a scam business.. Called Trans Union and my credit report has been frozen.The same company goes by 2 company names. I Place XXXX and Consumer Info. I have had numerous harassment phone calls from area code XXXX. I have reported this area code to FTC numerous times for calls. Information shown on credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Phone number XXXX XXXX XXXX XXXX via I Place XXXX XXXX via Consumer info

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 2023-08-05
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've looked at my report and don't recognize these injuries. 
XXXX XXXX XXXX XXXX XXXX XXXX ( was only authorized once ). They have like 15 unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX The ones below are unauthorized. I went to a dealership that was supposed to do in house financing. The share my information without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-07-27
Company: Exeter Finance Corp.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
got into a XXXX XXXX  and told them i wasnt able to keep up with my payments told them to come and get the car never came and got all they did was take pictures

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Regional Acceptance Corporation denied me a loan for automobile financing on XX/XX/2022 ( violation of 15 USC 1601, 15 USC 1611 and 15 USC 1691 ).

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 2022-09-19
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022 XXXX XXXX  XXXX XXXX I broke my lease I was not evicted!! I paid all Utilities before leaving I was in financial hardship so I left .... I will pay for the month of XXXX witch I am responsible for the amount of XXXX but I will not pay XXXX I do have the check showing I paid utilities XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have had financial difficulties paying my car. I tried making arrangements with American Credit Acceptance. I was told they couldnt help until I was caught back up. I was 3 payments behind. On XX/XX/XXXX at XXXX XXXX my car was picked up. I call today to find out about getting my car back and was told XXXX bought my car back and they could not give me anymore information. I have made all my payments to American Credit Acceptance never to XXXX. I contacted XXXX and was told by one rep they did not have any loan with them. Then was transferred to collections and was told something about a register and transferred to collections. They have never notified me at my address of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: NJ
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  XXXX XXXX Account # 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 without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: DFC Global Corp.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I tried to make arrangement to pay off the amount with company but was unable to so I asked on how to stop ACH so I can send payment in at a future time. I was told to send an email and it would stop. 
I sent an email to request to stop ACH on XX/XX/XXXX and on XX/XX/XXXX they with-drawled XXXX and I was also charged NSF XXXX. I spoke with XXXX and she said it was their error and I followed everything I needed to do. I then again emailed and called her 3 more times and each time I was getting the run around. On XX/XX/XXXX I was credited the NSF fee but not the original amount. I again sent an email asking me to send my bank statement which I did a week ago more runaround or delayed tactics. 

I could not pay my other bills which also cost me more NSF fees. Bottom line is that they took out money from my checking account illegally and admitted wrongdoing but has not fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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:
On XX/XX/2022, my credit score was over XXXX. I have a perfect payment history, no credit card debt, have not opened new accounts or missed a payment. In fact, the only real activity for all of XXXX was that my average age of accounts got 1 month longer. On XX/XX/XXXX, Experian lowered my credit score XXXX points for no reason. I am now below XXXX. There is nothing in my financial activities in XXXX that would warrant a XXXX point drop. They will not let you speak to anyone on the phone about this fraud. They make sure that they are unavailable to discuss their misconduct. This change may increase my cost of borrowing at a time when interest rates are already going up. Experian makes money sharing my credit score with third-parties. Knowingly sharing inaccurate information is also slander.

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 2022-04-24
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting and XXXX  Account # 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 an account without my written instructions.

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/2022, Ive notified XXXX via mail about an invalid account that theyre reporting to my credit. I sent out three letters to them explaining that my identity was stolen around this time due to me losing my wallet and that someone had used my information to open this account. I even submitted copies of my police report that proves my identity was stolen around the time this account was open. Each time, they responded back, without requested proof, stating that this account was verified. I then reach out to the actual account company XXXX XXXX XXXX which they directed me to XXXX XXXX XXXX XXXX XXXX. Here, they showed me the account information in which my LAST NAME ON THIS ACCOUNT IS INCORRECT, also the stubs they sent me that the person used, Ive never worked at this job or even heard of it. I explained to them that my identity was stolen as well. They had me print out an affidavit fraud packet and send it to XXXX XXXX XXXX. I sent this packet out about a week ago. Im not sure what to do next.

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 2022-11-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To whom it may concern, To keep this as succinct as possible, I will begin by listing the important date. 
After several face to face interactions, phone calls and emails regarding the sole proprietorship account under the legal name that I use, XXXX XXXX XXXX. What concluded was a final position statement made via email on XXXX XXXX, which can only be described as color of law. That email reads as follows : We are unable to complete your request to be removed as a sole owner or to list as Power of Attorney with no listing owner on the account. 

As the holder in due course of the legal name, I have the power to appoint anyone as power of attorney, including myself, XXXX XXXX XXXX the living man, to speak and act on behalf of the said legal name I use. I, as holder, am also able to sign as the authorized signatory for said legal name. Nobody at Wells Fargo has been given permission by me to title anybody on the sole proprietorship under the legal name I am authorized and entitled to use. 

Thanks in advance for your time, XXXX XXXX XXXX XXXX XXXX XXXX.

without prejudice

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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 without my written instructions

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 2022-06-24
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 XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX US Dept of EDXXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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 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 without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022 applied for an apartment. Paid application fee ( {$75.00} ). The leasing office proceeded with our application as if we 100 % decided to move to that complex. However, I stated that we had questions before continuing with this process ; we're approved but had rental questions. Leasing office proceeded regardless of my questions, disregarding any questions that I needed answered. We found another complex we decide to move forward with. The first complex charge my bank account fraudulently ( {$350.00} ), and my bank refunded my funds. Now that amount they think I owe ( {$500.00} ) is in debt collection. Ruining my credit score I'm working very hard to improve.

Company response to consumer: Closed with explanation