BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX card has reported an account to the credit bureaus that does not belong to me. There was an account opened using an address that does not belong to me in a different state. XXXX card reported this address to the credit bureau as my address and I have never lived in that State or at that address and they refuse to remove the disputed information from my credit file. The account has never been paid and the credit card was maxed out within 90 days of opening it. The address used to open the account is a hotel in a shady part of XXXX Georgia.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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: AMERICAN EXPRESS COMPANY
State: CA
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 rewards from credit card

Complaint:
I have two separate AMEX accounts ( AMEX XXXX and AMEX XXXX ). 

On or around XX/XX/XXXX, for my AMEX XXXX XXXX, I signed up for " Pay Over Time '' with an offer to earn XXXX membership rewards points for doing so. These XXXX points were awarded to my account. 

Previously on XX/XX/XXXX, for my AMEX XXXX card, I had also separately signed up for " Pay Over Time '' with an additional offer to earn an additional XXXX membership rewards points for doing so, but never received the XXXX points. I rose this with the company on XX/XX/XXXX, XXXX they said it would take1-2 weeks to resolve the issue, but never resolved the issue or contacted me with a response. I then submitted an CFPB complaint, and in their response they stated they had already paid me the XXXX membership rewards in question, but this XXXX was for my AMEX XXXX card as stated in the letter. They completely ignored the fact that I also applied an offer for XXXX on my AMEX XXXX card. The terms say " only one offer per Card account '' but I have two separate cards. 

In order words, in total, they should have paid me XXXX points for the two pay over time offers, but they only paid me XXXX membership rewards points for one of the offers. Therefore, they owe me an additional XXXX membership rewards points specifically for my AMEX XXXX card. 


See screenshots of the two offers and two confirmations for both cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-08-08
Company: LD Holdings Group, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My complaint is in regard to TARP with LoanDepot. Unfairly saddled with employer debt when I decided to leave this employer in XXXX. I obtained FHA training XX/XX/XXXX and left this employer XX/XX/XXXX. My leaving was due to the companies pending woes where stock plummeted from $ XXXX to $ XXXX within 1 month of going public, then advised that they were going to start with " Voluntary Furloughs ''. The writing was on the wall and I was punished for self-preservation from a company that lied and suppressed company information due to pending IPO. Upon my leaving and being contacted by LoanDepot regarding the training debt of {$15000.00} XXXX advised that I had not used the certification with my new employer and offered proof to be obtained from FHA to validate that my XXXX XXXX  had not been used since departing LoanDepot. I further advised at one point in XX/XX/XXXX that I had been laid off. I now have collection and judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: NV
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 filed a police report and an identity theft report for multiple accounts on my credit report and they were removed and then more were able to somehow be opened after I sent In everything and also put a lock and fraud alert on my credit report. There is credit cards and loans that were opened in my name in the last year that is identity theft and the credit bureaus have been absolutely no help with all I have done to try and take care of this since 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hello Dear Consumer Financial Protection Bureau I am XXXX XXXX XXXX, and I'm writing to you regarding an extra charge on my vehicle loan charges from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
I attempted many times in writing with the financial assignor in the dealership to disclose the charges. But I did not get any response in the last 60 days. 

The complaint is about purchasing XXXX XXXX XXXX XXXX  Contract number with westlakefinancial.com is XXXX Contract Number with XXXX XXXX XXXX XXXX is # DEAL XXXX # CUST XXXX Vehicle VIN : XXXX Here is the explanation about the default. 
I entered the dealership in person for the mentioned vehicle for the retail price of {$14000.00}. I negotiated with the salesperson. ( XXXX ) to reduce the price for adjusting the match price with certified Websites like XXXX, XXXX which is around {$8000.00} to {$10000.00}. 

The salesperson approved for {$1200.00} Cash Discount on the sales price + AN OPTIONAL Warranty Value Discount for {$2000.00}. 
Which Makes the Principle Vehicle Retail Balance to : {$14000.00} - {$1200.00} - {$2000.00} = $ XXXX+tax They also charged these extra charges as warranty and other fees for closing costs total for {$2000.00} includes ; - Portfolio Protection for {$1400.00} - Express Gap for {$490.00} - Estimated Testing Charge for {$50.00} - Electronic Vehicle Registration or Transfer Charge for {$30.00} - Document Processing Charge for {$85.00} I also paid {$1000.00} in-person to dealership as Down payment Thus the total balance should be ; {$10000.00} - {$1000.00} + {$2000.00} + Tax = {$11000.00} + Tax But I see different numbers in the Retail Installment Sale Contract. That shows the amount financed is {$17000.00}! What makes around {$6000.00} Difference. plus interest charges of this difference in % 9.99 interest rate for 72 months!!! 

I'm not accepting the current liabilities in the contract and absolutely no response from the dealership. This made me frustrated and I'm not affording the time, price & energy to followup on this situation anymore. 

Please help me resolve this situation at the fair. 

Thanks XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums with an exception to mail. 
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Grant me my title lien free. 
Do not seize or attempt to seize anything in my possession. 
XXXX out the balance on this account. 
Cease and rescind use of my intellectual property, my signature. 

On XX/XX/XXXX, a billing error occurred per 15 USC 1666. The contract states : " You, the Buyer ( and Co-Buyer, if any ) may buy the vehicle below for cash or on credit. '' During this transaction, cash was used to purchase the XXXX XXXX XXXX XXXX, this is a clear violation of my federally protected rights as a citizen. 



Best Regards, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

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 2023-08-08
Company: Bright Capital Inc
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
They charged me for services after misleading advertisement about services and I was not able to speak to anyone so far This has been very difficult dispute and they charged my for services I DID NOT use They should refund my money and be shut down or at least change how they market services Again THEY HAVE MISLEADING ADVERTISEMENTS AND LEAD PEOPLE LIKE ME TO BELIEVE THEY OFFER SERVICES WHICH THEY DO NOT I was charged XXXX which I would like returned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.

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 2022-04-25
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After several months of them receiving my payment on the XXXX, but not posting until the XXXX, if they post at all, I set up auto-pay through their website. Not trusting them, I took a screenshot of the confirmation and the email I received saying they had received my request. Sure enough, the confirmation email disappeared from the sls message center and the auto pay request was gone as well. I emailed them and they responded. In the response email they provided a link to the message, which went to a " page not found ''. I signed into my sls account and for a brief moment a new message appeared that said my auto-pay was set up and ready to go on XXXX. Of course, that message disappeared as well, but I took a screenshot. 

Twice in the past few months, they said they did not receive my payment which is an autopay from my XXXX  XXXX XXXX account. I have spent hours on the phone trying to straighten things out. I tried, in the past, to set up autopay through their website, but that part of their website was out of order. When it was finally operative again, I set up autopay only to encounter what I described above. It is exhausting having to babysit this mortgage payment. I have read reviews from : XXXX XXXX XXXXXXXX and it appears many are experiencing the same problems. How is this legal and how are they able to continue to manage their billing process in this manner?

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 2022-04-25
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-15
Company: Experian Information Solutions Inc.
State: AR
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 am formally reporting and requesting for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : 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

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 2023-08-14
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:
Regardless of the multiple written requests, the unverified public records listed below is still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/2017 Reference number : 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 explanation
Consumer complaint received 2022-09-21
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 2 inquires on my personal XXXX and XXXX credit report dated : XX/XX/2022 and XXXX XXXX XXXX Both from SYNCB/SAMS CLUB. 

I have never applied for a personal card with SYNCB/SAMS CLUB. 
I have made several attempts to rectify this with SYNCHRONY BANK. 

They have confirmed they don't have the application request from these dates but insisted i have to resolve my issue using this method.

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