BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I Purchased Furniture from XXXX XXXX XXXX XXXX, Financed thru ACIMA, Credit, and Statement had different Name for Furniture Store Purchased XX/XX/XXXX. LAST payment was XX/XX/XXXX, and Cleared thru my Bank XX/XX/XXXX, I Requested A Paid in Full Reciept, By Mail and Email, Today is XX/XX/XXXX, and I have not Received my PAID IN FULL, EVEN though I had to Pay Taxes on Every Installment payment, for my Account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: M&T BANK CORPORATION
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:
I check my credit report and see inquiry on my report. I haven't applied for any credit for these inquiry to be on my report.

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 2022-08-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a credit card though XXXX with the sole purpose of receiving and up to date and accurate credit score. I was approved. I waited for the paperwork to come in the mail to provide me with score and relevant information they received in which this decision was made. It was not included. I downloaded the app and searched all communication- it was not available. I called and was transferred 4 times. Finally, the data analyst said they dont have access to this information nor could the provide it. I asked that it be mailed to me, assuming security wouldnt allow them to give it over the phone. She stated she could not. I was escalated to a supervisor who said if we had to disclose that information, we would have and recommended I check XXXX XXXX. 
I believe I am entitled to the information which was used in determining my eligibility for a credit card, including the score at time of application and approval.

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 2023-03-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a secured credit card on XX/XX/23 at Truist where it was denied then I received a letter in the mail that read. Thank you for applying for a Truist consumer credit card after carefully reviewing your application we are sorry to advise you that we can not open the credit line for you at this time. If you would like a statement of specific reasons why your application was denied please contact our consumer credit department shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request XXXXTruist I have tried calling that number to request the letter of reasons and no one seems to know the answer or how they can help me I just get transferred to another department until someone hangs up on me. Im just trying to obtain this information because I feel this is a violation of FCRA adverse action & unfair practice

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 2018-08-28
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: Reporting company used your report improperly

Complaint:
I recently pulled my credit report and I noticed fraudulent accounts that were open undermy name I have never applied for these accounts. I have filed for identity theft report with ftc for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report through XXXX XXXX 's software in the beginning of XXXX, 2022. And noticed inconsistencies with the reporting of my account with XXXX XXXX XXXX XXXX. The problem was that all three credit bureau 's were reporting different late payments. 
So I sent out the 1st letter on XXXX XXXX by certified mail. 
Certified mail receipt # XXXX XXXX XXXX XXXX XXXX TransUnion XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX Demanding that all three credit bureau 's remove the late payment due to all three credit bureau 's being in violation for not displaying 100 % accurate information on my report. I then also included a copy showing the account ( XXXX XXXX XXXX XXXX ) from XXXX XXXX displaying that in fact all three credit bureau 's are displaying inaccurate information. 
I received my credit report from all there credit bureau 's 30 days later informing me that they verified the information and that it was accurate. 
I then conducted some more research through the credit consumer laws and was able to gather some violations that the credit bureau 's are committing against me at this time such as ( Pursuant 15 USC 1681a 2 ( A ) ( i ) & FCRA 15USC 1681a 2Ai ) I then sent out a second letter on XXXX, XXXX 2022 by certified mail XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX demanding once again for all three credit bureau 's to remove the incorrect information from my report and that all three companies are in clear violation of the laws. I made sure once again to send a copy from XXXX XXXX software to show that all there companies that are still displaying incorrect information and that they are clearly violation my rights. 
30 days later I received my credit report from all three credit bureaus stating that they have investigated the matter and that they have the correct information. Once again my question is how? Since all three credit bureau 's are reporting all different information. Ive been dealing with this back and forth for months now and it is ridiculous how these companies are able to get away with violation our rights, identity theft and fraud. 
If this matter is not resolved in a timely matter, I will contact my Attorney General XXXX XXXX, Congresswoman XXXX XXXX. 
I greatly appreciate the 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 non-monetary relief
Consumer complaint received 2022-07-03
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX is listed as the original company when its actually wise loan Worst Delinquency on XXXX states the account is 90 days past due while Experian statesCharge Off/Other Derog. XXXX states on XXXX last activity was XX/XX/XXXX but on Experian states last activity was XX/XX/XXXX XXXX states on XXXX last activity was XX/XX/XXXX but on XXXX states XXXX last updated XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX on Experian also reported as foreclosure on Experian last activity reported XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX. XXXX last updated XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX and Experian the balance on XXXX states XXXX but on XXXX and Experian the balance is XXXX. XXXX last updated XX/XX/XXXX but XX/XX/XXXX on XXXX last activity was XX/XX/XXXX on XXXX  but XX/XX/XXXX on XXXX.XXXX  last updated XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX closed date XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX last updated XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX on Experian last activity was XX/XX/XXXX on Experian XX/XX/XXXX on XXXX XXXX last updated XX/XX/XXXX on Experian but on XXXX XX/XX/XXXX closed date on XXXX XX/XX/XXXX but XX/XX/XXXX on XXXX XXXX last activity reported on XXXX XX/XX/XXXX but on 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 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 of 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. 

XXXX XXXX - Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX - Account # XXXX ; XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXXXXXX XXXX  - Account # XXXX ; XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions 15. U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may take any consumer reporting 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 in accurate.

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 2022-09-23
Company: Dividend Finance Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My solar loan is through Dividend Financial, sold by XXXX XXXX XXXX XXXX XXXX and after signing the contract we found out that we were overcharged on our system by {$25000.00} and Dividend Financial approved the loan amount knowing the system size and capacity. XXXX XXXX sold fraudulent systems that don't work and are undersized saying it would cover our needs, they did this to thousands of customers, only to find out the system doesn't do what promised and they also missed many disclosures in my contract. Dividend Finance allowed them to bill me for a system that wasn't even approved by the power company or hooked up, and began making me make payments on a system I could not use. I began that issue with Dividend Financial on XX/XX/XXXX, XXXX Dividend Financial did nothing, only expected their payment even after I told them the system wasn't installed all the way. XXXX XXXX just up and closed their doors on XX/XX/22 so all their customer contracts have become null and void, workmanship warranty, material warranties, everything gone with no recourse. It was found out that XXXX XXXX 's sales staff wasn't properly licensed in several states and I have a screen shot of their software showing how much they overcharged customers so Dividend Financial would approve the loan, documents were falsified and Dividend Financial takes no responsibility for not protecting the customer, as a matter of fact they steal the XXXX XXXX XXXX XXXX the customer is supposed to get by overcharging the sale and tying the XXXX XXXX to the loan to pay it down in 18 months, but in my case and many like me it takes XXXX years to aquire that credit. Dividend Financial needs to take responsibility for their part in supporting the fraud that XXXX XXXX participated in because they should only be backing loans for what the product is actually worth being they use an XXXX XXXX lein on the property, which means I can't sell my house without paying off this {$69000.00} debt. I feel Dividend Financial needs to be held accountable for joining XXXX XXXX in FRAUD and writing PREDITORY LOANS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 
XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$14000.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} - - - XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} - - - XXXX XXXX XXXX XXXX XXXX {$170.00} 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 permission

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 2022-08-29
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Synovus Bank
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
15 USC section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: NY
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:
This is my second time writing you to update my personal information. I submitted a dispute on XX/XX/2022 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX  XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified by collection on my credit that there was a defaulted lease at an apartment complex in XXXX Tennessee at the end of XXXX through XX/XX/XXXX. I have owned my house in Georgia since XXXX. This debt is not mine. I have tried disputing it, unsuccessfully. 

Debt was reported from Genesis Credit Management in the amount of {$2200.00} on XX/XX/XXXX for a defaulted lease at XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX Tennessee. I have filed a police report with the XXXX XXXX XXXX department in XXXX Georgia, where I reside. 

The complex would not provide me with the documents that they used to lease the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: CT
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: Investigation took more than 30 days

Complaint:
Experian is still reporting XXXX hard inquiries to my credit report although I reached out to the companies to enquire that I do not have any accounts with them nor ever done business with them. I notified Experian of the findings, and they are refusing to remove the hard inquiries ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fundingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a FTC identity theft report because I did not share my identity with any of these agencies.

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 2022-12-03
Company: Lendmark Financial Services
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I cancelled a trip from XXXX, trip # XXXX. XXXX has a policy to have full refund within 24 hours cancellation. The total Price is {$4600.00}, which includes two parts : 1. the air tickets of XXXX {$3600.00} and XXXX the car rental {$950.00}. In my Chase credit card XXXX statement these are two parts of refund : {$3600.00} and {$950.00}. However in my Chase credit card XXXX statement shows a rebill of {$3600.00} from XXXX. I disputed from my credit card company and contacted XXXX. I called tens of times and was kicked back and forth from Chase to XXXX. Chase said " a significant amount of time has passed since the date of the charge, the merchant is not willing to credit your account. '' I opened the dispute on XX/XX/XXXX. But after 3 months, Chase never solved my problem. Chase said I could only contact XXXX to ask for a refund. XXXX said " A refund of XXXX has been processed by our accounting department on XX/XX/XXXX. No additional charges made since reservation is already cancelled. XXXX insisted that I had to ask Chase credit card to find out the solution. Today I called both companies again each call took me more than 2 hours. Both sides asked me to find the other. The {$3600.00} becomes my financial burden.

Company response to consumer: Closed with explanation