BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
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: Account status incorrect

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX To Whom It May Concern : I am writing to complain about the illegal repo, improper reporting of credit, and other violations of the law that I have experienced at the hands of [ name of finance company ]. 

On [ date ], my car was illegally repossessed by [ name of finance company ]. I had made all of my payments on time and in full, and I had not violated any terms of my loan agreement. I contacted [ name of finance company ] to inquire about the repo, and I was told that it was because I had missed a payment. However, I had not missed any payments. 

I disputed the repo with [ name of finance company ], but they refused to return my car. I then filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB investigated my complaint and found that XXXX XXXX had violated the law by illegally repossessing my car. 

In addition to the illegal repo, XXXX has also improperly reported my credit. They have reported that I have made late payments on my loan, when in fact I have made all of my payments on time and in full. This inaccurate reporting has damaged my credit score and made it difficult for me to obtain loans and other forms of credit. 

I am also concerned about the predatory lending practices that XXXX has used. They have charged me high interest rates and fees, and they have made it difficult for me to understand the terms of my loan agreement. 
False advertising Deceptive practices Unfair and abusive lending practices In 2019, the CFPB issued a consent order to XXXX XXXX requiring the company to pay {$1.00} XXXX in consumer redress and to make changes to its business practices. The order found that XXXX XXXX had engaged in a number of unfair and deceptive practices, including : Making false and misleading statements about its products and services Charging excessive fees Failing to provide consumers with accurate information about their loans The FTC has also filed a lawsuit against XXXX XXXX alleging that the company violated the Truth in Lending Act and the Fair Debt Collection Practices Act. The lawsuit alleges that XXXX XXXX made false and misleading statements about its loans, and that it harassed and threatened consumers who were unable to repay their loans.

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 2023-06-03
Company: LFG Data Services Holdings, LP
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: Public record information inaccurate

Complaint:
Bankruptcy being reported on my credit report is inaccurate unverified and unauthorized. I was impacted by the XXXX data breach as well. These items need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX ( XXXX ) - ( XXXX XXXX XX/XX/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 2023-06-02
Company: Experian Information Solutions 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:
Hi how are u all doing today, I reviewed my Consumer Reports and notice that I had two late payments on an account I was never late for which lead to the account closing.consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability With maximum accuracy. I have never been late on payments for the account. The Account Name Is XXXX And The Number Is XXXXplease investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments to be updated to on time as they should be as I was never late. 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 2023-06-03
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
ON XX/XX/2023 I APPLIED FOR A MORTGAGE FORBEARANCE WITH LOAN DEPOT. I CONTACTED THEM EVERY MONTH TO KNOW THE STATUS OF MY APPLICATION AND THEIR ANSWER WAS THAT THE APPLICATION WAS IN PROCESS. IN XXXX I DECIDED TO SELL THE HOUSE BECAUSE I WAS SCARED OF LOSING THE HOUSE. I NEVER RECEIVED A DECISION FROM LOAN DEPOT. TODAY XX/XX/2023 I CONTACTED LOAN DEPOT TO SEND ME A STATEMENT WHY THEY TOOK 5 MONTHS TO COMPLEATE MY APPLICATION AND THEIR ANSWER WAS THAT THEY DON'T ISSUED STATEMENT FOR THIS KIND OF REQUEST. THEY CLAIMED THAT I SUMMITED THE APPLICATION IN XXXX WHICH IS A FALSE STATAMENT PLEASE SEE ATTACHMENTS. I BELIEVE LOAN DEPOT ACT IN BAD FAITH TAKING MONTHS TO TAKE A DECISION FOR MY APPLICATION. LOAN DEPOT TOOK THE NEXT STEP TO DAMAGE MY CREDIT. PLEASE CHECK THE EMAIL ATTACHMENT WHERE I RESEND PAGE NUMBER 2 IN XX/XX/2023. LET 'S ASSUME THEY RECEIVED MY APPLICATION IN XXXX, THEY TOOK XXXX, XXXX AND XXXX AND STILL NO DECISION WAS TAKEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Over 60 days ago, I sent letters to the XXXX major credit bureaus and till this day I haven't been notified about this investigation. I would like this issue treated immediately. This is affecting my financial situation while I am currently enrolled in school. Please resolve this issue, I do not want to have to pay more money than I need to as a student. I need every XXXX. I will file for litigation if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
I submitted a dispute with the XXXX XXXX, Equifax, and XXXX concerning 2 bankruptcies on my report each one one came back verified. But I reach out to each company to see how it was verified and how was it verified I got no response from them. Im requesting form each company to delete this from my file if they cant provide me with Tia information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Albert Corporation
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Have asked XXXX and XXXX to cancel any subscriptions delivery any information and delete any bank information my phone was used fraudulently to open this account with them want this canceled or will take legal action

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This complaint has repeatedly been submitted and Marcus Bank continues to lie to you. 

I urge you to read their response to the first complaint XXXX XXXX XXXX Marcus bank agreed to close the account and send the funds back to the source of funds bank account and with that urged you to close the complaint. 

You closed the complaint but they lied and never sent the funds back. In fact their own rep admitted to me that the account was closed but she has no idea where the funds went!!!! Might I suggest to an account of a bank employee???? We are talking XXXX XXXXXXXX here Now they are telling you some deceptive mumbo jumbo about the power of attorney not being acceptable for some unknown reason. What does that have to do with how many apples grow on an apple tree? 

They already stated they were refunding the source bank account. There is no wiggle room there to play games with documentation not being acceptable or whatever legal eagle truth dodging defense they are using to try to dodge the fact that they did not do what they told you would be done in the original complaint. 

I have taken this complaint to multiple agencies who all send me back to you as the regulator of that lame excuse for a bank. Do I really need to file a lawsuit to get them to follow through on what they specifically agreed to do in the original complaint? 

Perhaps you can recommend a news media outlet that might be able to get the word out about the games this bank is playing and why the banking system itself is not on solid ground? 

Would you please help me with these XXXX  at Marcus Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
This case was originally filed under XXXX and subsequently under case XXXX. 

Under case XXXX, Bank of America closed the case but the plantiff has never received Bank of America 's explanation with respect to the lack of terms and conditions. 

NUMEROUS phone calls to Bank of America have never been returned. Bank of American has never explained the lack of terms and conditions necessary for foreign currency transactions. 

Plantiff is requesting bank 's response to 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 2023-06-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 have been a victim of Identity Theft since 2006. Accounts were open using my personal information in various states. I have been in constant contact with the Fraud Departments at XXXX XXXX, XXXX, Navy Federal Credit Union and XXXX XXXXXXXX XXXX concerning fraudulent accounts at each. XXXX XXXX  actually investigated. They discovered it was fraud. They told me in writing that everything has been deleted and I no longer am responsible for the debt. However the debt amount has not been removed and still shows that I owe. My business on XXXX is suffering because I can not qualify or take advantage of certain perks of having a business on XXXX because they use XXXX products. And XXXX did not follow completely through with removing the debt despite writing me and telling me so. I intend to file a lawsuit against XXXX XXXX. 
XXXX, Navy Federal and XXXX XXXXXXXX XXXX have all been uncooperative and silent. Despite me providing both with documents and police reports they are attempting to victimize the victim. 

15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be fumished on my consumer report as they are in VIOLATION Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN GENE Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. WHEN NO CONSENT IS GIVEN THIS IS CALLED IDENTITY THEFT. As a consumer and victim I am demanding the deletion of any and all information pertaining to the fraudulent accounts opened at XXXX XXXX Navy Federal Credit Union, XXXX XXXX XXXXXXXX and XXXX be deleted MMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: Bridgecrest Acceptance Corporation
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:
Ive made payment arrangements as I had financial issues and made my payments. Later I found out I was reported to the credit bureau without my knowledge as I was making my payments. I tried to talk to them to remove it and their response was, whats done is done. I never gave my consent to the report as I was making my payments. 

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Sychrony Bank, XXXX, Utah ( Seems to be the Credit card manager for Lowes credit cards ) has been charging me late fees and crazy interest for a Lowes credit card the store pressured me to open, explaining how great the card was and low the interest rate would be. In XXXX minues at the register she said i was signed up and after reviewing a few statements I quickly realized that was not the case at all. Every month thereafter I was charged about {$70.00} per month in fees and interest. So when I paid a monthly amount of {$100.00} only {$30.00} was coming off my overall balance? I wrote them, questioning this, and they immediately lowered my credit limit to the exact anmount I owed, and I further explained to them I will be reaching out to the proper agency to expose them for what they are -THIEVES! 
I finally after about 6 months paid the entire balanace off, but a {$1000.00} credit card balnace, cost me over {$500.00} in fees and interest, to have for 6 months. Something is very wrong here. How many good americans are getting the same selljob, and then getting the complate opposite and further trying to punish me for calling them out on it ... ..in my opinion, that is the bigger problem here, for they are a US fudiciary and bank, and should be holding themsolves to a much higher standard. Thank you for reviewing this problem.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts that were opened and operated by someone else located on my credit report. I have no knowledge of who has opened the accounts that are located on my report. There are three accounts that are listed fraudulently and incorrectly ; one account is Navy Federal Credit Union, opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions, the fraudulent account still remains on my credit report. 

Another account that is fraudulent on my credit report is XXXX XXXX XXXX XXXX, fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report. 

The remaining fraudulent account on my credit report is from a collection agency called XXXXXXXX XXXX, this account was fraudulently opened on XX/XX/XXXX. I have disputed this account on 3 separate occasions as well, the fraudulent account still remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Upgrade, 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: Account information incorrect

Complaint:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
My bill was paid directly to original creditor after bill was referred to Portfolio Recovery Associates. I informed Portfolio about settled bill yet they continue to call before XXXX and after XXXX to collect on an account that has been paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: National Account Systems of Omaha, LLC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
National Account Systems legally was supposed to mail the court date for hearing about debt but did not. What I received in mail was information about amounts owed but they did not include court date. When I didnt show to the court date ( because I didnt know of date ), judgement was entered against me. Prior to receiving the letter about amount owed, collection agency had nan coming to my house every Saturday banging on my door for several hours.

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