BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting 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:
under the FCRA and EFT Act I do not have an " account '' with these people. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

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 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 Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

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 2022-09-22
Company: AMERICAN HONDA FINANCE CORP
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a XXXX Honda XXXX in XXXX of XXXX. It was a lease program with a balloon payment system. I paid on the lease every month in a timely manner, never missed a payment and never late. My payment records with Honda Financial will reflect this. At the end of my lease maturity ( XX/XX/XXXX ) there was lapse in when my payments for the lease ended and hearing from Honda to refinance my car via a loan through their bank. I did not hear from Honda for refinancing until XXXX of XXXX. I was sent refinancing paperwork which I signed and sent in. I also made payments on the vehicle in XXXX, XXXX, and most recently on XX/XX/XXXX. On XX/XX/XXXX I received another phone call from Honda Financial stating that they hadnt received my signed refinancing paperwork and that it was very urgent I sign and return them. I explained that I had sent them weeks ago, and requested that a new set be sent immediately so I could sign and return them. They did not mention on the phone call that my account was delinquent in any way. On XX/XX/XXXX, the next day, my car was seized for delinquency. When I called Honda Financial, the only explanation they gave me was that my account was delinquent. I explained that I had requested new paperwork because the first set mustve gotten lost in transit to them. Just to reiterate, I was still making monthly payments on the vehicle even though the paperwork was not in place. I never defaulted on a payment. After waiting the 24 hour time period for them to update my account, I called back and they stated that I could only retrieve my car by paying the total amount due ( over {$14000.00} ) or having my car refinanced through a different lender. Nearly three years as a consumer at this finance company, never missed a payment or delayed a payment, and my car was taken from me over paperwork that got lost in the mail. They have my physical address, email, etc and I never received any notice that this was happening. Im truly at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: OH
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 recently requested the credit bureaus verify all data reporting on my credit file. They completed their investigation and stated everything was verified. After a thorough review i fount some accounts to be not mine and requested proof of ownership and proof I owe this debt. these are the accounts listed below XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX in accordance with the fcra guidelines these creditor have violated my rights under 15 U.S.C 1681 sec 609. States a consumer may request a copy of contract used to validate ownership 15 U.S.C 1681sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. states a consumer reporting agency can not furnish an account without written instruction

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have actively said, showed proof of fraud and identity theft by dark web of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and XXXX. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. 

Before that I only check my credit report if i ever file for something or once every 2 to 3 years. For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in 40yrs this has ever happened to me. 

I been following every steps that my banks and credit agencies have been telling me for 2 months now. As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me. as I have heard anything back. 

At this very moment my 5 inquires is insane as I usually do 1 every 2 years if that Original CFPB COMPLAINT # XXXX The unauthorized hard inquires are as followed 1.XXXX XXXX XXXX : 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXXXXXX XXXX XXXX 5. XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-07-01
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I DID A BARCLAY CREDIT CARD BALANCE TRANSFER ON XX/XX/2022 TO XXXX  XXXX XXXX FOR {$5000.00}. BARCLAY CREDIT CARD CUSTOMER SERVICE STATED THAT IT WAS COMPLETED ON XX/XX/2022 AND XXXX  XXXX XXXX HAD RECEIVED THE TRANSFER AMOUNT OF {$5000.00}. OKAY XXXX XXXX XXXX NEVER RECEIVED THE {$5000.00}. I BARCLAY CREDIT CARD CUSTOMER SERVICE AND TOLD THEM THAT XXXX  XXXX XXXX DIDN'T RECEIVED THE FUND. I STATED THAT WE CAN CONTRACT XXXX XXXX XXXXXXXX TOGETHER SO THEY CAN SEE I AM TELLING THE TRUTH ABOUT XXXX XXXX XXXX NEVER RECEIVED THE {$5000.00} TRANSFER. BARCLAY TOLD ME THAT THEY ARE NOT GOING TO CANCEL THE BALANCE TRANSFER EVEN IF IT'S BEEN PAST THE 10 BUSINESS DAYS XXXX, WHICH IS THERE COMPANY POLICY. THEY STILL WANT ME TO PAY FOR FUNDS I NEVER IN MY XXXX  XXXX XXXX ACCOUNT. RIDICULOUS WHY WOUNLD I DO THAT IT MAKES NO SENSE.

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 2022-07-01
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX  XXXX XXXX  is reporting a charge off in an amount of XXXX. Yet at the time this loan was paid off by my insurance company - there is GAP insurance that was purchased through the dealership to cover the difference between what the insurance paid out and what remained. Yet this company after just 1 delinqincy ( which occurred when the insurance company was processing the payout of the loan_ charged off the account in the amount of XXXX knowing that GAP insurance would cover this amount. I have called multiple times written multiple letters in regards to this, yet they do not give any documentation as to what happened in regards to this. 

Also, I have attached the account details on their website which does not even show they charged off the account. 

They also failed to provide me any signed original contract when asked to verify the debt XX/XX/XXXX and failed to provide any billing statements after XX/XX/XXXX. They also did not provide any disclosures stating my rights under 15 U.S. Code 6802. 

There are so many violations here creating a HARDSHIP on my life from being approved from future lenders. This account needs to be removed from all three credit bureaus.

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 2019-08-09
Company: Frontier Consumer Law Group, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
IAll contact was by phone, contacted Fast Track Debt Relief about debt relief program, all my information about my debt was collected and was told what my monthly payment would be on a bank draft, never telling me that a company by the name of Frontier Consumer Law Group would be overseeing my account, these two businesses have the same address. When I contact frontier and ask questions I get emails from operations manager from fasttrack. A Georgia Attorney sent me an email stating she only helped if this company notified her as a summons, also she refers to them as a debt management company. They have collected up from fees since XX/XX/2018 which in Georgia is illegal. They also made agreements without contacting me for settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Braviant Holdings, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I took out a {$3000.00} loan with Balance Credit. I was aware that the interest was high, but did not fully understand how high it was. I later learned that the APR was 213.9994 %! I made 5 monthly payments of {$560.00} on time for a total of {$2800.00}. On XX/XX/XXXX I wanted to see about paying this loan off and was informed my balance was {$3800.00}! That is more than the original loan amount after nearly paying {$3000.00} in payments thus far. I was unaware the none of my payments had went to the principal. I believe this loan is predatory and the way it is set up makes me unable to pay it off in a reasonable way in which I am not owing thousands upon thousands of dollars on a rather low loan amount. Loans and APR 's like this should be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Turning Point Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Advanced Capital Solutions is a debt collector XXXX. 

We are trying to collect a LEASE TO OWN debt that you owe to XXXX. We will use any information you give us to help collect the debt. 

Our information shows : You had an account now owned by XXXX XXXX from XXXX with account number XXXX. 

Opened on XX/XX/XXXX As of XX/XX/XXXX you owe : {$1200.00} You do have an option to settle or you can click on our portal link to customize a payment plan that fits your financial needs. 

The information that you'll need to create an account and view your information is as follows : Reference Number : XXXX Last name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TransferWise Ltd
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I encountered the account XXXX XXXX on XXXX, where " XXXX '' sells designer bags that are difficult to get. So I sent her a message and she said a bag that I wanted was available. First she offered that I pay with credit card, so I went ahead and purchased through the " XXXX '' 's transaction service. After a while, she told me that the transaction had an issue because the amount was too big and that she has to give me a refund. The refund also took me a very long time, so I decided to call the XXXX  service and they were able to figure this out for me. After, she asked to pay through bank wire transfer. I believed her since she built her credibility through offering to pay with credit card and she offered to show her passport as well. I went through with bank transfer, then she disappeared. 

The information I have is this bank information of Wise, and that they live in XXXX ( state of XXXX ). Her email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This dealership has violated my rights as a consumer! Not only they ran my credit XXXX times, they also got me to get XXXX XXXX which was for nothing ( XXXX XXXX XXXX the finance manager ), told me if anything is wrong with the vehicle to bring it in & that it is a part of the vehicle purchase for the vehicle to be maintained free of charge & I can take the vehicle to any XXXX dealership & will be service for free, I Informed him I was moving to XXXX, when I got to XXXX & called the same Dealership they informed me That I had no coverage that I would have to pay out of pocket to get the car service, He didnt explained the finance part to me section 15 U.S. Code 1605 - Determination of finance charge which states Insurance was supposed to be included in the vehicle purchase, Instead Got me to purchase XXXX XXXXXXXX XXXX just saying that he would make my pmt in the XXXX month there's so many codes violated! I had good credit XXXX by the dealership running my credit so much 9 times Hard Inquires on XXXX & XXXX from XXXX, XXXX 3 times, every time I would call to speak to XXXX XXXX & leave a message I would not get a call back, In fact I was being fwd. to other reps @ the dealership for help which wasnt much & those people their phones are disconnected it's like only family & friends work @ that dealership, I got way over priced also the advertisement was a fraud also this dealership had me put down {$3000.00} on top of a trade in they low balled me on & that's another violation no cash was supposed to be taking @ all & this was before even signing the contract another violation!! They were also telling of other banks they can get me approved which is a violation, The price they were advertising the car online that is not what the sales guy ( XXXX XXXX XXXX ) told me he made it seem as if he was taking away {$2000.00} on top of the vehicle price & giving me a deal when really, he was ripping me off. I would like a Rescission & everything I've paid for the car & monthly pmts and pain and suffering, for XXXX XXXX XXXX to repair my credit they destroyed I want everything tangible, they also did not pay off my lien to the other vehicle company XXXX XXXX that I traded in my Vehicle within 10 days thats another violation, having my credit impacted more causing XXXX XXXX to report my account to the credit bureaus!! I want my justice with this Dealership. This company has caused me stressed because they ruined my credit score in total, they ran my credit 15 times in total!

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 2018-03-22
Company: EOS Holdings, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I went to the ER in XXXX XXXX, thinking my XXXX was XXXX. This was XX/XX/XXXX. I was told that I would not be able to be XXXX XXXX anymore. Long story short, I finally got Medi-cal in XX/XX/XXXX. I have been under the same doctor 's care since XX/XX/XXXX and after being given XXXX XXXX at the ER without insurance and another ER visit months later due to a XXXX XXXX XXXX XXXX, I guess these bills that I could never afford, I though we're paid by MediCal because I filled out the form I was told to contact any hospital, doctor or any other medical service and they would pay it. I never heard back and thought it was taken care of. I did  not get approved for XXXX until XX/XX/XXXXand was given XXXX back pay and only 600+, $ a month leaving me unable to work, pay back my adult sons and every one else who had supported me back for all the burden they went through. I can't afford to pay all the money plus interest on these huge medical bills. I could pay XXXX $ a month but the interest is almost as much as the principle. Now, I am XXXX XXXX XXXX and need more XXXX on my XXXX XXXX and have an XXXX caregiver that helps me for 70 ish hours a month. I need to move out of the RV I rent but I don't know how to get a loan so I can get an easier place to stay and help me to be able to have a XXXX   friendly room for rent or a way to not feel like a prisoner of my own body. I am sorry but do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My business account was closed by Bank of America. I got a refund from a purchase I made with XXXX that was sent to my closed account. I contacted Bank of America to inform them that XXXX stated the refund they provided was sent successfully to my closed account. I contacted Bank of America and was told that there was no refund present and that since my account was closed that there was no way for XXXX to issue a refund to a closed account. Bank Of America assured me that they had not received the funds that were sent to them on XX/XX/2022. Well, Bank Of America had XXXX XXXX from their executive office work with me as he got on several phone calls that were placed to XXXX to assure them that the funds they refunded to my account were not received by Bank Of America. I was provided a merchant transaction account from XXXX indicating that Bank Of America had indeed received my money. I provided this information to Bank Of America and they once again denied receiving the funds. After 6 weeks of calling both Bank Of America and XXXX I get a call from Bank Of America on XX/XX/XXXX stating that they indeed did have my refund. XXXX the rep from Bank Of America stated they had indeed issued me a refund on XX/XX/XXXX. I informed her that I had not received any refund and that it was now XX/XX/XXXX. She stated she would investigate the issue and call me back on XX/XX/XXXX. I informed her that this has cost me significantly more than the {$290.00} refund that Bank Of America had taken. She stated she would contact me on XX/XX/XXXX to let me know the results of the investigation. She never called nor has the money Bank of America has taken from me been returned.

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 2022-12-02
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2022 at around XXXX eastern time, I called Experian on their phone number XXXX XXXX XXXX to question why there is an active account dispute in process which i did not authorize? I received an email and confirmation that they created a dispute process without my consent and authorization. I told Experian that they are to cancel, revoke, and/or rescind their dispute that i did not authorize or give them permission to do. There is record of my self and Experian on XX/XX/2022 talking by telephone that can verify when we were communicating. And there is NOTHING in our conversations that show that i gave permission to Experian and their employee XXXX. Consent to pursue a credit account dispute was never given to Experian.

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