BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: TN
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 Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be 100 percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Yamaha Motor Finance Corporation USA
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a call from Yamaha Motor Finance on XX/XX/XXXXand spoke to XXXX. She informed me that my account was 50+ days past due for {$51.00}. I questioned the amount because I always pay more than our monthly payment. She stated that they took my late fees of {$51.00} out of my last installment payment made and now my payment is past due. Is this legal?? I have read my contract thoroughly and can not find such justification. I asked for a supervisor and talked to XXXX. He sounded like a broken recorder so I asked for his XXXX, XXXX XXXX ( not sure if spelled correctly ). I was told that since the mgr is not in the office they can not transfer me to his voicemail?? I was also refused the managers email address. I have since tried to reach this billing XXXX on XXXX, XXXX, and XXXX. I even sent a certified letter on XXXX/XXXX/XXXX to which no one has responded. On XXXX/XXXX/XXXX I paid the {$51.00} PLUS a monthly payment. I received a call today XXXX from them and talked with a supervisor named XXXX because I was told that now my account does n't qualify for the extension ( I 'm only 10 days past due now ) but XXXX offered this to me at 50+ days past due XXXX XXXX said that must be a training issue ). I have been out of work since XXXX and I 'm trying very hard to keep the account out of collections. I would like their payment tactics looked into because it seems unethical and illegal in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
they lost my XX/XX/XXXX payment. I authorized them to charge my checking account for my XX/XX/XXXX payment ( XXXX.. They charged my account for two payments ( {$25000.00} ) and refused to correct their error.

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 2022-07-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On or around XXXX a purchase of XXXX money orders was made with cash purchased at FIFTH THIRD BANK XXXX XXXX XXXX XXXX OH XXXX. Days later I was contacted by 2 different apartment complexes, & they both said the money orders were no good. So I went back to the bank and got XXXX new money orders and the same thing happened. I reached out to the branch 1st by phone I was informed that they were still investigating. On XXXX I return ( FIFTH THIRD BANK ) to the same branch and informed the manager of the issue I produced the ledgers from the complex stating that the money orders were returned and that I was charged late fees ( {$850.00} ). she ( XXXX XXXX XXXX XXXX said she would further investigate. On XXXX I returned and requested further assistance and was told my only resolve was to contact XXXX number for customer service they could not help me, I returned to the branch to request a cashier 's check and she ( XXXX XXXX XXXX XXXX REFUSED to issue a Cashier 's Check. I asked for a written statement of why she couldn't or wouldn't issue a cashier 's check or a refund and was told that my only option was to wait 180 days for them to investigate the issue. I asked for a higher-up 's number or email she refused to give me anything but the XXXX number that was a 3rd party who didn't even know the branch number. As a result of the unresolved issue, my company accumulated several unnecessary late fees due to an issue that could have easily been resolved. Due to the High level of uncooperative, and willful attitude, I had to visit XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX XXXX XXXX XXXX OH XXXX, I was immediately issued a refund without question. XXXX XXXX XXXX XXXX had no clue about the unnecessary and strange protocol and said that those delays were not policies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
NAVY FEDERAL CREDIT UNION has denied me an extension of credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
* The file has surpassed the statutes of limitation that have been placed into law concerning the FCRA.

* XXXX XXXX is deemed as a collection agency that is also govern by the FDCPA.

* The children that are connected to this child support case is above age.

* XXXX XXXX violates the FCRA, and FDCPA therefore is deemed unconstitutional.

* XXXX XXXX XXXX  is a closed acct not active case.

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 2017-09-05
Company: BMW Financial Services NA, LLC
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:
BMW Financial reported my account 30 days late to XXXX XXXX  XXXX for the month of XXXX XXXX. The payment was dueXX/XX/XXXX and was paid by me onXX/XX/XXXX, thus it was NOT 30 days late. This is the date the payment shows as being made on my receipt from BMW and this is the date the actual funds were deducted from my bank account as I have it set-up as a debit payment. 
BMW Financial has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXXand the motorcycle we had financed with BMW was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now BMW has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customer and the research I 've done them affirms this as they have a " F '' rating with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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 Inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  XXXX  Date of inquiry : XX/XX/2021 This account is inaccurate and fraudulent. XXXXm seeking Litigation. Please delete at once.

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 2022-07-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submited XXXX claims for XXXX transactions on the same store, all those claims are being handling by different procedures, persons or departments, because all of them have different results. I submitted another claim with the CFBP under this claim number XXXX and was approved by the bank. 
Now Im submitting this claim for the same reason than the last one, the bank closed the claim without any letter or explanation and removing the provisional credit. 
Wellsfargo case XXXX XXXX for an ammount of {$1000.00} I made the purchase a XXXX XXXX on XX/XX/XXXX, but the seller never sent the product, also never provided the tracking number or any kind of shipment information.

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 2017-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have had a fraud alert on my credit report for years. I keep getting at least 10-15 calls from payday loan places, vacation spots, installment loans and a host of other annoying calls and hen my credit monitoring services have been going off for a week. I have not applied to ANY of these places but they are hitting my credit report and my score keeps going further down. If I was to apply for something, I would not be eligible because of all the inquiries and I didnt approve any of these. I need these inquires removed immediately.

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 2022-07-16
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XX/XX/XXXX I check my credit and saw that Nationwide recovery sy has flagged my account and threaten to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call from Audit Adjustment on XX/XX/XXXX stating that I owed for an electric bill that I had just paid via check on XX/XX/XXXX directly to XXXX XXXX XXXX. I have the cancelled check that was cashed by XXXXXXXX XXXX XXXX on XX/XX/XXXX this check was endorsed only to XXXX XXXX XXXX. The caller stated that I owed almost {$700.00} more than what my electric bill was. I was very confused by 1 ) the amount and 2 ) Why they were calling me since I had already paid it. I confirmed the amount of my final invoice and thought that the phone call was perhaps a scam. I have one letter dated XX/XX/XXXX from Audit Adjustment stating that I paid them for the electric bill on XX/XX/XXXX. I did no such thing- so this statement from them is untrue. This first written communication was sent more than a month after my bill with XXXX was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been over seas since XXXX of last year on XXXX. I was relying on my people back in the united states to make sure my account was setup to auto pay and payments were being made. I got back in the United States in past few months and recently am in the process of being relocated to another city and tried to apply for another mortgage and found out I have 30 day lates for XXXX and XXXX. I now cant purchase a home because of these lates on my credit report. I sense am in the process of selling this home and loan will be paid off within next 30 days or less. I have called and asked with help with this because I was out of country on duty and unaware.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
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:
SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A XXXX  BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX  XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and associates is sending me letters saying I owe {$1400.00} and that a 6 % increase will be applied. This is absurd, I don't know who they are except it says a debt collector. I have placed a fraud alert on all 3 credit reports.

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 2018-05-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the following fraudulent inquires from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: TN
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:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

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 2022-02-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a letter from Synchrony Bank on XX/XX/22 falsely claiming that I had requested to open a PayPal Credit account. I absolutely did not do this and believe this to be a marketing scam. I tried to contact PayPal to find out why I received this letter, first via chat, with no success ( they were unresponsive ) and second by calling. The CSA immediately transferred me ( supposedly ) to PayPal credit where no assistance was available because the robot kept asking me for an account number, which I obviously do not have. Simply asking for an agent did not permit me to override this step. There is no contact information on the letter other than a return address to a po box in Florida, which immediately raises red flags. If there is a security issue regarding someone trying to open an account in my name, I absolutely have a right to ascertain this information. If it is a cheesy marketing ploy, I am livid that they have wasted my time trying to sell me a product I am not interested in via a fear tactic that can not be quickly dismissed.

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 2018-02-24
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
They have put a 90 day late payment on my credit report. I had no knowledge that the account needed too be paid. I thought it was in forbearance and I get a ding on my credit. Ive asked them many times if there was anything I could do too get the late payment off and they just keep telling me no. Ive never missed a payment besides that and I regularly pay on time and sometimes pay twice a month. Please help me get this off. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been asked to pay a debt for {$280.00} to original creditor XXXX XXXX XXXX  current owner Midland Funding LLC original account # XXXX, McM  account # XXXX. 

I have been asking Midland Funding LLC to provided me with proof of the charges that were incurred in 2016. My request has fallen on deaf ears. I have not received the information requested as of now. 

I feel that I am being harassed to provide this payment without knowing what product/service was purchased in 2016. I am receiving a bill each month requesting payment which I will not pay until I am shown proof of what was purchased by me. I also received daily phone calls from Midland Funding at my home and place of business requesting payment. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief