BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2018-01-26
Company: SYNCHRONY FINANCIAL
State: AZ
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 did not solicit this business for any product or 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 non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: LA
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:
n accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple credit inquiries on my report that I did not authorize. I have disputed these inquiries several times and they have not removed any of the unauthorized inquiries. I disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to thoroughly investigate my disputes and continue to validate the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Received a bill for so called used damages 45 days after turn car in to dealer : They cliam tires worn, scratches.Before turn car in I had PA Inspection back tires passed, purchased new tires for front, car passed, term milage was XXXX miles allowance car turned XXXX miles.I had a dealership " XXXX '' done every 6mo '' s which was done day before turned car in.Garage keeped car Took pictures of car before turning car no visable damages or scratches, no dents, etc, very light scratches from bushes or small marks from stones. I got pictures from GM Finanici showed to many people could not damaged to car, took to professional Auto Body could only see a small ding back one inch lower part rear bumper.GM FINANICAL add various fee & taxes not shown to me a the time I did original paper work very poor disclosure of what was in lease at end of term.All dealership leases not properly disclosed or people would not do leasing, a number story of leaseing charging thousands of dollars to un suspecting consumers.The lease want to sell car and not put the cast of refurbishing car on un suspecting consumers.GM Financial does not permit dealers to go over cars, they send 3rd party team that get paid to find out what they can use to justifiy over billing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: F.H. Cann & Associates, Inc.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19 I received an email saying my check was being garnished XXXX by a company named FH Cann & Associates I was immediately concerned because I have never contracted with this company and I was concerned some type of fraudulent activity on my SSN so I gave them a call and had come to find out that they were garnishing my check for a federal loan that I hadnt received any correspondence from in years and in fact have sent out numerous letters to to try and verify that de debt existed without any response and on my credit report it was noted to be Charged off. Anyways they informed me that they sent mail to an address that I havent lived at in over 5 years and that they can me an opportunity to respond which is a lie. No I have to file a complaint in court for improper service and hope this ends the garnishment and I can negotiate to manage the debt. This is causing me extreme hardship and I hope this can be handled correctly moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: LA
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:
n accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
n accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-04-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
2020 My ex XXXX XXXX leased a car from XXXX. I was told the car was in his name. After the breakup, XXXX kept calling me to make payments on his car. I don't and never had the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX 2016 I made purchase with a XXXX down on original purchase of XXXX. Apparently this qualified for deferred interest. I had to return item from this original deferred to a balance of XXXX. In the midst of there statements which are incorrectly billed. The deferred was incorrectly displayed as they made changes and changes to the deferred program I believe to confuse or misguide whatever was going to pay the deferred amount. Well I paid the deferred amount and they apparently say that I have not and decided to bill be XXXX in interest for a deferred I paid already. Starting with XXXX dollars which is deducted from XXXX. The statements show incorrect deferred amount which lead to believe. That credits were not applied correctly so they can come back charge XXXX $ I do n't owe. I have clear record of paying well over minimum and there should be no deferred amount owed. This big lots credit card has Incorrect and mistaken information computed. I spoke with them and apparently they do not look at there own statements to see how wrong the wordi g and information provided is not transparent and unbeliebeable how this practice is allowed to date. They have been contacting via email about offers and new card that have not yet seen I refuse to do business with company who practices deceptive billing practices so that no matter what the consumer does in bringing down down balance in good faith is just not enough. They know I know that it was wrong and they are trying to please me with offers I do n't need or want from them. The original purchase was for XXXX and I retired item in the amount of XXXX leaving a balance of XXXX. Where is the clarity. The receipts clearly show the return but added a separate purchase to the deferred. This is where it 's wrong after backed out of the deferred plans over and over again. I was hard to figure out how my payments were being distributed. Clearly after making XXXX $ in payments that the deferred was covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted letters to all 3 credit bureaus and to the creditor them selfies to dispute these items on my credit file. They have not responded a letter was sent to all parties involved on XX/XX/19 and no action has been taken nor was it removed or corrected all document proving my case was submitted as well. There are 2 accounts listed on my credit file with the exact account number being reported as a duplicate with incorrect information the account should be reported all 3 CB under XXXX/XXXX XXXX the amount/High credit limit and past due amount are incorrect. XXXX  XXXX XXXX has my information on CF reported incorrectly with duplicate accounts 2 separate account numbers which is making my CREDIT UTILIZATION higher than it should, all information is listed incorrectly on report. XXXX XXXX is reporting incorrect information on my credit report to all 3 CB the account status is listed incorrectly and the MONTHLY PAYMENT IS LISTED AS $ XXXX/MONTH which is INCORRECT. Another DUPLICATE account listed on CREDIT FILE XXXX XXXX  and XXXX WITH THE EXACT SAME ACCOUNT NUMBER ALL INFORMATION REPORTED IS INCORRECT, this account had been paid and and there is not a past due amount as XXXX  is reporting. XXXX XXXX XXXX is reporting INACCURATE INFORMATION ON CF. XXXX XXXX XXXX REPORTING INACCURATE INFORMATION UNDER XXXX  this account is closed not open. XXXX located on credit file doesnt belong to me I have never had an account with this XXXX  or XXXX   XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: CA
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:
-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3.  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -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 non-monetary relief
Consumer complaint received 2020-04-21
Company: SC Opportunity Fund LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ref. : XXXX XXXX # XXXX Property Address : XXXX XXXX XXXX XXXX, Upland, CA. XXXX Servicing Company : XXXX XXXX , XXXX. - Loan Number : XXXX Current Lender : The Loan Store, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Original Lender : Owning Corporation Address : XXXX XXXX XXXX XXXX Suite XXXX, XXXX, CA XXXX NMLS Unique Identifier # XXXX. 
XXXX XXXX Endorsement # XXXX Dear Sirs. Greetings, with reference to the above mentioned loan that was initiated and completed by " Owning Corporation '' on / about XX/XX/XXXX, I would like to direct your attention to multiple Violations & predatory Lending Practices by the Lender and its ' employees via making intentional errors, omissions and negligence in fulfilling its terms and conditions : 1. On / about XX/XX/XXXX, " The Loan Store '' purchased the loan from XXXX XXXX, with certain conditions and stipulations listed clearly on the Mortgage Note. 

2. On/ about XX/XX/XXXX, " XXXX XXXX XXXX. '' was assigned to service the loan on behalf of The Loan Store with the same conditions and stipulations listed clearly on the Mortgage Note. 

3. On/ about XX/XX/XXXX XXXX XXXX  XXXX returned our Monthly Payment check un-cashed with a note indicating that we can not write on the check monthly payment paid in full, paid in advance!!! 

4. On/ about XX/XX/XXXX we sent TWO additional checks to cover the monthly mortgage payments for {$1800.00} each, this time they cashed the checks!! Yet we are concerned that their predatory behavior might cause us a Credit Damage in the process. 

5. On/ about XX/XX/XXXX & XX/XX/XXXX, we contacted the company via mail and called them over the phone, and spoke to the Manager ( XXXX XXXX XXXX XXXX , IL location ). We requested that they provide us with the Original Mortgage Note ( they did ultimately ), which indicates clearly XXXX Late Fees might be assessed at any time, late payment or otherwise. 

6. Up to the date of this note ; XXXX XXXX XXXX Failed and Continued to Fail in correcting the Mortgage Statements accordingly, even though they provided the Mortgage Note that contradicts their own statements!!! 

7. So far, we received several statements, all of them reflects erroneous late fees amounts that might be imposed on the account ; that contradicts our Mortgage Note and our agreement ; in Violation of " Fair Debt Collection Practices Act '', and Fair Lending Practices. 

8. On/ about XX/XX/XXXX ; XXXX XXXX XXXX XXXX to us directly, indicating that they are only a Sub-services of the Mortgage Loan acting on the direction of the Lender, putting the blame, responsibility, and consequently all legal liabilities on the Lender The Loan Store, LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying to get the loans from XXXX college discharged due to the school being closed. I filed a complaint with the Department of Education for the federal loans obtained from this school and it is still being processed. The school closed on XX/XX/2015. I have spoken to Navient on at least two separate occasions approximately four to five months ago about the loans from this school being a financial hardship and the degree is invalid, as I have attempted to transfer credits prior to the closure of the school and was unsuccessful on multiple attempts.Due to the fact that the degree is not valid and the transcripts are not valid also due the closure of the school, I am asking that you please consider why the debt for these loans should have to repaid since they are useless. Education should offer a return on your investment and in this case it has failed miserably to do so. People further their education in order to gain some use out of it, usually  employment or some type of advancement in their career and it is sad when all it does is accumulate debt for the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a car loan with Sun Trust and a checking account with BB & T. In making my monthly payment on the car loan they say I mistakenly clicked to pay off the loan. The full payoff, {$24000.00} was collected from my BB & T account, which had a balance of XXXX, overdrawing the account. I called Sun Trust and they tried to explain to the manager at my BB & T bank what to do. She was not interested and hung up the phone. I went home called Sun Trust again and they explained to have BB & T put a stop payment on the pending transaction, it would return to SunTrust, they would correct the account and everything would be normal. 

I called BB & T customer service, spoke to three different people, all who said they could not stop the payment but they would transfer me to someone who would. Each one said they could do nothing. I asked for a supervisor and they hung up on me. 

In the mean time my money is closed off, I have no access to the cash in the account. BB & T said it could take 10 days to resolve. I asked the manager at the bank how do I live without access to my cash. She said use a credit card. 

I can not believe a simple mistake, that Sun Trust understood and was willing to fix on their end, can not be rectified. And to top it all off BB & T will be charging me overdraft fees for the whole ten days. 

What can I do?

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 2020-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/2019, after I purchased gas at a XXXX XXXX  ( near XXXX ), I noticed my credit card chip or identity was stolen. There were 9 unauthorized transactions ( total of ~ {$800.00} ) shown up on my Bank of America credit card account. These transactions were made during XXXX until I called BOA to issue a replacement card. A fraud claim has been filed to the bank but was denied by the Bank many times ( even by the supervisor ), even though I have filed a police report to support my claim and contacted the credit reporting agencies. I never had a late payment and has been with the BOA for 10+years. 
I do not understand why BOA would doubt the fraud claim filed by a loyal XXXX  XXXX XXXX. Based on my purchase history, I rarely ever made purchases at those stores ( XXXX, XXXX, XXXX XXXXXXXX ). These were obvious frauds. I should have just told the Bank that my credit card was lost or stolen. I am not sure what else I could do with these fraudulent charges.

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 2022-06-15
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I wish to register a strong complaint against Barclays Bank. 

They are fully aware that my Barclaycard has been used fraudulently but will not correct my statement.

-Brief Explanation- I have a Barclays Barclaycard credit card. 

On XX/XX/XXXX, they notified me that they had detected that it had been used fraudulently. 

I checked my statement and identified ten seperate fraudulent transactions the first on XX/XX/XXXX. 

I loged into my account on XX/XX/XXXX, and filled out their 'fraud report ' but in spite of many attempts it refused to SEND. 

So, I went to their on line 'chat ' portal and explained about the ten fraudulent charges totaling more than {$550.00}. 

Their reaction was " sorry we can't help, you must call '' I explained that I am quite deaf and do not initiate calls, I wasted an hour with them, all to no effect, before giving up. 

So, on XX/XX/XXXX, I went to their send us a 'secure message ' portal and typed in the full details of the fraudulent usage. 

Their reaction was " sorry we can't help you must call '' Over a number of subsequent secure messages i explaind that I am deaf and that their 'fraud form ' refused to SEND. 

It made no difference their mindless reply... send 'fraud report ' or call us! 

So, on XX/XX/XXXX, I sent letters to both the listed headquarters of Barclays fully detailing the fraudulent charges.

They have not responded.

The fraudulent charges have not been removed from my statement! 

They have now filed adverse reports with the credit tracking agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief