BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-10
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notification on my XX/XX/XXXX about my credit score, that it had dropped down. I checked my score and credit and it said I was placed on collection from a tax collector company named Credence Resource Management LLC. I spoke to them and they said I had a balance due of {$1600.00}. They told me it was from XXXX XXXX XXXX XXXX XXXX. I told them I have never had XXXX XXXX XXXX XXXX XXXX Ive been with XXXX for many years now. I contacted XXXX XXXX XXXX XXXX XXXX and they indicated I had never had an account with them and they had not sent any bills to a collectors agency. I spoke to XXXX XXXX XXXX about I having XXXX XXXX  many years ago but the account was closed and I owed XXXX balance. They checked the account and I Don't owe them anything. Ive alerted XXXX XXXX XXXX XXXX about the possible fraud and they placed my account under possible fraud case. Im waiting on them to reply in a few days with whats the next step. Credence Resource Management said I had to filled out a fraud package with them and sent it to XXXX XXXX XXXX. With the address provided from them on the packet, I saw there is no XXXX XXXX XXXX fraud agency in the area. I blocked them on my email and flagged the email so i have it as evidence. As well I have never received any calls or emails from XXXX XXXX XXXX or XXXX on any bills I owed. Im very responsible with paying my bills on time. I was working hard on keeping my credit score high and now im a victim and lost many points on my credit score. I already froze my credit with all three credit accounts. im so upset about this please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WI
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:
Equifax mishandled and failed to protect my personal information, which puts me ( and millions of other people ) at risk of identity theft. This is unconscionable as Equifax is supposed to increase my ability to protect myself against these kinds of threats, and instead they exposed my critical personal information to criminals and thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent United Revenue Corp a certified letter requesting they correct and verify 5 accounts they are reporting to XXXX credit bureau. First these accounts are duplicates and they are two accounts that are reporting as 5 separate accounts. Second, I requested they verify all information on accounts as the balance, the date of first delinquency, date closed, and date opened didn't match my records. Per the Texas Finance Code 392 they were to correct or delete from my credit reports. As of today they have done neither and continue to report incorrectly effecting my ability to get financing. Per my attorney all communication needs to be made via email or certified mail. On XX/XX/2018, United Revenue Corp sent me a generic letter with no information at all. I have forwarded to my attorney. I am requesting they delete all 5 accounts immediately from my credit reports. United Revenue Corp XXXX {$940.00} United Revenue Corp XXXX {$940.00} United Revenue Corp XXXX {$1200.00} United Revenue Corp XXXX {$1200.00} United Revenue Corp XXXX {$1200.00} Additionally on XX/XX/2018 I filed a XXXX compliant in attempts to received a resolution and United Revenue Corp failed to respond.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Based on the information provided, we believe that your personal information may have  been impacted by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter via certified mail delivered on XX/XX/21 to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. I sent a letter via certified mail on XX/XX/21 asking for Equifax to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). There was no response, and no note that it was disputed on my credit report as of XX/XX/21 when I sent another letter requesting the account be deleted. It has now been well over 120 days since I initiated contact with XXXX, and over 100 days since I initially contacted Equifax. I have gotten absolutely zero response from either and the account continues to be falsely reported. I do not believe that an investigation was done at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
XXXX XXXX area transfer of XXXX dollars to XXXX. Western Union transferred the monies at an exchange rate of XXXX yen and we have discovered that the exchange rates were much higher at a rate of XXXX yen on the transaction date of XX/XX/2020. Their own website had the rate at XXXX. Called to resolve the problem and they just kept saying that rates very and it just so happened that from where it was sent and other variables that XXXX yen was the rate. I find that to be far below the average rate just for one day as it averaged much higher all other days of the year not even going below a one to one ratio. Also, the exchange rate was not posted or told to us prior to the transfer by the individual working on behalf of Western Union. This type of transfer was the first time we have attempted this and so we relied on the representative of Western Union to process this transfer fairly. This cost us over 400 dollars with this transfer through Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have disputed errors on my credit report. They say its justified but showed no proof. None of my debt is updated and my XXXX loans are in forbearance due to family emergency medical bills and XXXX XXXX impact on finances. Im also in XXXX and XXXX. I have XXXX children. Two of which are XXXX. None of my reports are even accurate. This is severely impacting my ability to move forward. I need help. 
XXXX loans remarks are severely affecting my credit. XXXX doesnt update my acct timely and Ive been on time. Comemity Bank harassed me and is rude and discriminating and forces payment plans that I can not accept or is not in my financial price range. I cant get loan for a safe car for my kids due to all this incorrect errors or even a safe home to fit all my kids and we are not living in a healthy home either. Plus I have no idea why there are so many aliases and inquiries. I made a couple trying to get an auto loan for a safer vehicle but due to all this incorrect information its causing my family and myself XXXX XXXX Please someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX / XXXX / {$6800.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( 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 2017-09-08
Company: EQUIFAX, INC.
State: NC
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:
All unauthorized, requested removal.
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
N accordance with the Fair Credit reporting Act 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 604A. It also states a consumer 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 2022-02-07
Company: LOBEL FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
XX/XX/2021 Lobel financing. I was paying them payments and one point. They continue to do a charge off even when i was paying. I recently been working on my credit so i asked them if i can settle pay and delete. We settled for XXXX. They continue to post a balance of XXXX. Ive lost a lot of points since then. It looks like they have put that balance to 0 but how do i get the lost points back? Also, its still showing, not deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got an email from Synchrony Bank that a trial a account was successfully set up.

I called the bank and they admitted. I informed them that I did not open any account with them.

After 12 hours, they sent me an email that they was a problem with their system and that I should disregard the opened account. They confirmed my information was not breached. Ive the emails to confirm this.

But because banks lie all the time, I want to make sure my information was not compromised.

Thanks.

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 2017-08-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a student loan from XXXX XXXX from XXXX, School : XXXX XXXX XXXX, XXXX PA. XXXX XXXX is no longer in business and my loan is now serviced by NAVIENT . In XXXX of XXXX I contacted Navient because I was having trouble making my loan payment. The first thing they did was ask me if I wanted to make a payment that was very high, I believe around {$200.00} which was significantly higher than my regular payment. When I explained the situation, I was offered one or two choices, a brief deferment or a new program, income based repayment. I was not told I had any other options. I was placed in the income based repayment program, ( REPAYE ) program as of XX/XX/XXXX. After being in the program for several months I was made aware that at the time I accepted the program they offered, I was qualified for hundreds of other programs, including loan forgiveness AT THAT TIME. Navient did not disclose this to me and stuck me in a program that has reset my 20 year forgiveness date to zero, which means the loan amount will continue to accrue interest and will be XXXX years old when I am eligible for loan forgiveness again, so for a student loan from XXXX, I will now be eligible for loan forgiveness in XX/XX/XXXXwith XXXX knows how much more accrued interest. If this is n't a crime, it should be. When I called regarding my discovery, I was told I was no longer eligible for loan forgiveness because I " chose '' the income based repayment program and my 20 years were now reset to another 20 years. I was also told, " We were n't required to tell you that you were eligible for loan forgiveness. '' If this is not a crime, it should be. Navient has grossly deceitful and probably unlawful business practices in place. I should have been made aware of all of my options, especially the ones that were most beneficial to me as the debtor who has never defaulted on my loan and continue to repay my student loan in good faith to the best of my ability for 22 years and counting. The fact that the original loan amount was {$6000.00} and is now almost {$19000.00} is criminal and compounded by Navients ' failure to disclose my options other than the ones most beneficial to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2021 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating back " They do not report any Bankruptcies to Anybody. '' So if that's the case .How did the Credit Bureaus verify my Bankruptcy as 100 % Accurate.They never did a Fair Investigation according to the 15 USC 168.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's charter, general reputation, personal characteristics, or mode of living is to obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a Consumer 's Credit Report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated My Rights numerous times.

The Credit Bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C.1681 Section 602 A.States I have the rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/2021 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating back " They do not report any Bankruptcies to Anybody. '' So if that's the case .How did the Credit Bureaus verify my Bankruptcy as 100 % Accurate.They never did a Fair Investigation according to the 15 USC 168.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's charter, general reputation, personal characteristics, or mode of living is to obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a Consumer 's Credit Report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated My Rights numerous times.

The Credit Bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C.1681 Section 602 A.States I have the rights to privacy.

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 2017-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The company is Bank of America. I had online overseas fraud. A company got ahold of my username and password. And they tried to deposit and cash a check in my account. It was on XXXX XXXX. For about XXXX. Bank of America saw it was fraud but shut my account down and told me I could no longer bank with them.

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 2022-02-07
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Consumer Financial Protection Bureau XX/XX/XXXX Re : Ally Auto Finance I need your help. Ally Auto Finance has hidden charges in the XXXX XXXX Contracts. 

Permit me to explain. On XXXX of XX/XX/XXXX I entered into an Auto Finance Contract with Ally Auto Finance via XXXX XXXX XXXX, XXXX XXXX XXXX for the purchase of a XXXX XXXX XXXX. The interest was supposed to be 7.09 %. 

However, Ally Auto Finance has instituted some creative Finance Charges in addition to the Interest Charges. This is totally Ludicrous and highly Unethical. 

I am not paying 7.09 %, I am paying 7.09 % + a fabricated Finance Charge. The Finance Charges nor Interest Charges are disclosed in the monthly statements. Instead when you receive youre your Monthly Statement there is an area marked Last Paid which contains a column named Finance Charge. There is NO disclosure showing the Interest Paid just the Finance Charge Paid and there is NO calculation showing how that number was derived. Such as Number of Days in the Billing Cycle. ( See attached titled : Ally Interest Statement XXXX highlighted in yellow ). 

I have put together a Summary Sheet ( see the attached titled : Ally Calculated Interest XXXX ) which shows the amount charged by Ally under the column titled Ally Interest ( highlighted in yellow ). I have also included a column titled Calculated Int. ( Interest ) which represents the Interest that should have been paid based on 7.09 % APR. 

Please help me to extinguish this Unethical Business Practice and please keep me informed as to your progress. 

XXXX 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 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
I believe I am a victim of the Equifax data breach on XX/XX/XXXX. As far as I know, my identity has not yet been stolen. I believe my personal data was managed poorly by Equifax and believe that they should be held accountable for any damages that may befall me due to their negligence in this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions 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:
After analyzing my credit report, I discovered the following information, which makes me even more angry. I never gave your company the opportunity to report abusive actions against me under the Fair Debt Collection Practices Act ( 15 USC Section 1692 ). I was subjected to a breach of my privacy.

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