BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 looked at cars twice from 2 different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at XXXX telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the fraud department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.

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 2022-05-02
Company: EQUIFAX, INC.
State: CA
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 have an auto lease with XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX Date opened XX/XX/2006 Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Data Mortgage Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a letter dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX with the verbiage " BE ADVISED THAT UNDER FEDERAL, THIS LAW FIRM MAYBE DEEMED A DEBT COLLECTOR. ANY INFORMATION OBAINT MAY BE USED FOR THE PURPOSE OF COLLECTING A DEBT. '' This statement is misleading and misrepresentation of Federal Law. This is decpetive practices. A debt collector must be up front and say whether or not they are a debt collector. Pursuant to Title 15 of the FDCPA there is no such thing as an attorney. I don't have a contract with the hotel. A. drew XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX is using my personal private property to trade, pledge, bargain, sell exchagne, collect, compensate and receive unjust enrichments with my CONSENT. You can my name on your document without my permission is a violation. That is ALSO IDENTITY THEFRT This is a federal XXXX Threaten to seize my property on XX/XX/2022. This is also a violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was on an XXXX XXXX flight when the flight attendant advertised the XXXX XXXX XXXX XXXX. She told the flight that the fee was waived for the first year and that XXXX bonus miles would be received when getting the card. <P/>When I finally received the card in the mail weeks later and activated it and looked on my account there was a {$95.00} annual fee on my statement. At first I thought this was a mistake since we had been told more than several times that the fee would be waived the first year. Upon calling the credit card company they said that they would not remove the fee, and that I would not receive any bonus miles until I paid the fee. These are extremely deceptive bait and switch tactics.

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 2022-05-02
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$270.00} XXXX : XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}

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 2022-05-02
Company: EQUIFAX, INC.
State: IL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: CA
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 have an auto lease XXXX XXXXXXXX XXXX . I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Experian and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX Date opened XX/XX/2006 Balance {$0.00}.

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 2017-06-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To whom it may concern, Commenity Bank has made numerous phone calls to my cell phone using an 'unavailable ' phone number trying to retrieve payment. I have answered a few of said phone calls however, when I do, I usually get no response on the other end. This evening around XXXX XXXX EST on XXXX/XXXX/2017 I  was unavailable and a friend of mine answered the phone for me as instructed. She said " hello '' and the person on the other end who named himself as XXXX advised where he was calling from and for what reason without verifying my identity first. Obviously, said person who answered my phone was not me. In trying to ask why he is telling her all of this information he then tried to tell her she was not on a recorded line and that the phone number showing up on my phone that he is calling from was not listed on the Caller ID as unavailable. Unfortunately for them, it absolutely was. Also, he never stated he was on recorded line and he also tried to advise that they do not abide by the FDCPA. <P/>I would love some clarity on this issue as I am pretty positive that you can not disclose a debt to just anyone unless they verify some type of personal information such as SSN or DOB at the very least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: VA
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 did NOT authorize an inquiry from the lender while submitting my paperwork and deposit for a vehicle. Before completing this paperwork I inquired multiple times if it would be a hard or soft pull. XXXX, the sales representative, assured me it would be a hard pull. One day after I submitted this paperwork I saw an inquiry on my Equifax credit report from XXXX. I didn't recognize this inquiry and asked XXXX and XXXX, the finance manager, if they recognized that inquiry as being from them. They assured me once again that no they didn't run my credit. I then filed a dispute directly with the credit bureau and they traced the inquiry back to the dealership : XXXX XXXX of XXXX. When I asked the dealership, they told me verbally that they ran my credit on Equifax, which contradicted their several earlier statements that 1 ) there would be no hard pull, and 2 ) they were not the inquiry that I asked about. I have asked the dealership to remove the inquiry and have not heard back on that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: LEXISNEXIS
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Since XXXX of XXXX I have been trying to get a claim the has been reported by NexisLexis on my XXXX   report corrected, It was a hit and run to MY car in a parking lot. I was not even there when it happened. They have it as a at fault collision. I have sent them copies of the letter from the insurance company that states I am not at fault 3 times and I have been told they changed it in my record, but still to this date it comes back as an at fault accident. This makes me have a much higher premium than if it was not on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: EQUIFAX, 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:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Hi my name is XXXX XXXX. XXXX has expressed to me in writing that my disputes will not be acknowledged because the account has been previously verified. The XXXX account # XXXX .... and PORTFOLIO RECOVERY account # XXXX in reference continues to report on my XXXX file without proper verification or investigation. This is in violation of 15 U.S.C 1681i ( a ) ( 2 ). To prevent me from employment and financing opportunities these companies willingly commit aggravated identity theft by reporting this information without my consent. I am legally refusing to pay this debt pursuant to 15 U.S.C 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PORTFOLIO RECOVERY and XXXX can provide me with sufficient documentary evidence that I have any legal obligations to pay them. Until this is done any reporting of this information in my credit report must be removed. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If these entities continue their unfair and incomplete reporting and debt collection tactics they will be held criminally liable for all damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: LA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below is still reporting on my Credit Reports and need to fix immediately : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2022-05-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX, 2017 USAA closed my account and refused to return all funds owed to me. {$1100.00} was deposited into the ATM own by USAA, deposit was made by cash. USAA decided that the account transactions were fraud and informed me that no money would be returned. Ive contacted USAA several times and sent them all documents of identification proving that I am the actual account holder. On several occasions USAA has hung up the phone when I was addressing my concerns. USAA has never emailed me or mailed a letter about this situation all form of communication was started by myself the account holder

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Have no knowledge of this Address is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: CURO Intermediate Holdings
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I got an email from XXXX XXXX about how I owe speedy cash money when I havent even taken a loan out. I took a loan out a long time ago and paid it off. Now she is saying there is a lawsuit for XXXX XXXX Violation of Federal Banking Regulation XXXX XXXX  Breach of contract with loan the company XXXX XXXX  Theft by Deception the emails are very annoying and I KNOW for a fact that I dont owe anything. It should be even illegal to tell someone they have a lawsuit out when they dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
XX/XX/2021 - Thawed Credit at XXXX, XXXX  &  XXXX  fromXX/XX/XXXX-XX/XX/XXXX : XX/XX/XXXX - Applied for Sam 's Club Mastercard from Synchrony Bank : XX/XX/XXXX - Received REJECTION letter from Synchrony Bank Reason Denied : UNABLE TO ACCESS CREDIT BUREAU due to FREEZE : XX/XX/XXXX - Thawed Frozen Credit AGAIN from XX/XX/XXXX-XXXX XXXX : XX/XX/XXXX - Applied for Sam 's Club Mastercard from Synchrony Bank AGAIN : XX/XX/XXXX - Received another REJECTION letter from Synchrony Bank Reason Denied : NUMBER OF RECENT CREDIT INQUIRIES ( Source : XXXX  ) : XXXX XXXX Obtained XXXX  Credit Report and saw 2 hard credit inquiries XX/XX/XXXX and XX/XX/XXXX from my Synchrony Bank ( SYNCBSAM 'S PLCC ) applications : ISSUE/QUESTION : 1. ) Why did I get a rejection from Synchrony Bank on my XX/XX/XXXX Application for UNABLE TO ACCESS RECORDS DUE TO CREDIT FREEZE if as noted on my XXXX  credit report there was a HARD inquiry from Synchrony Bank on XX/XX/XXXX, XXXX : 2. ) Synchrony 's INABILITY TO RECOGNIZE that they ACCESSED XXXX  on XX/XX/2021 caused me to apply for the SAM 's Club Mastercard a SECOND time on XX/XX/2021 which led to the SECOND HARD INQUIRY by Synchrony Bank and the XX/XX/XXXX rejection for MULTIPLE RECENT CREDIT INQUIRIES. ( There were no other Hard Inquiries on my XXXX  Credit Report ) : Contacted Synchrony Bank- They told me to contact XXXX  to get the hard inquiries removed & if I still wanted the card, wait 30-60 days and reapply and see what happens. : Contacted XXXX - They said ( if I understood correctly ) I would have to have Synchrony bank issue a report to me which I would then forward to XXXX stating that the 2 hard inquiries should 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 2017-07-01
Company: Jeffrey G. Lerman, P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an XXXX done at XXXX XXXX hospital XX/XX/XXXX. I received a bill for {$1800.00} and paid it in full onXX/XX/XXXX. A month or so later I received another bill for the same XXXX claiming that I owe {$390.00}. I called the number on the paper 4-5 times requesting a call back ( via voicemail messages ) because I did not understand what I was being billed for. They never called me back, but continued to send threatening letters. On XX/XX/XXXX I received a letter from a law firm, XXXX XXXX, attempting to collect on the same bill for {$390.00}. I contacted the law firm and there was no answer so I left a message requesting a call back. I did not get a call back. I sent the law firm an email with an attachment showing the receipt of my payments and explained the situation. I never got a response to my email or a call back.

Company response to consumer: Closed with explanation