BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: PA
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:
Please delete this XXXX  XXXX XXXX account of my report. It has been on my credit report for way too long. XXXX, XXXX already deleted it. As u will see in the documentation provided by your own comlany it should be off already. Please fix this. Thank you.

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 2022-06-20
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:
Experian, XXXX, and XXXX stated that these accounts were properly investigated and verified as accurate but this is impossible since the companies are reporting conflicting information which is supposed to derive from the same source? The high balance, Last verified, date of last activity, date reported, date opened, close date, account description, dispute status, creditor type, payment status, creditor remarks, last payment, are different and therefore is reporting inaccurately. This is grounds for removal of this account from my credit file. 
Under 15 U.S.C. 1681 Section 602 A4, Congress states that as a consumer I have a right to privacy. That right has been violated. 
My rights as a consumer has been violated under 15 U.S.C 1681 section 604 A section 2, which states that a consumer reporting agency may not furnish an account without written instructions from the consumer. I have never given written instructions to Experian, XXXX, XXXX or any other company to furnish these inaccurate accounts and therefore they must be deleted. 

The above mentioned CRA 's are furnishing and allowing other companies to furnish information on my consumer report which should not be on a credit report according to the FCRA. 15 USC {$1600.00} ( 2 ) ( a ) ( i ) says that the term " consumer report '' does not include ( A ) Subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report To clarify a " late payment '' is a transaction and high balance, high utilization, a chargeoff etc are all experiences between me the consumer and Experian, XXXX, XXXX etc XXXX the person '' making the 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 2019-03-14
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am at wits end with the credit bureaus- especially experian. Last year I had some issues through my bank. I was advised to put a temporary fraud alert. I have been trying for over 5 months to remove the fraud alerts. I have lost out trading in my car for something else because no one, not even car dealership could contact experian. I have called, sent letters, filed complaints with cfpb, filed complaints with XXXX. I just tried to pay a bill online and had an alert not letting me make payment because it seems one or all of the credit bureaus have mysteriously deleted my phone number from their records. I have to contact them to re-add my phone number but the numbers I was given only let you request credit report or add fraud alert. I lost gettin car refinanced because my credit couldnt find way to access experian. I had a new credit card get cancelled by experian without contacting me first. Experian assumed it was fraud. Caused a huge problem and 3 months to clear up. The numbers I was told to call are Experian XXXX, XXXX  XXXX then 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 2022-02-23
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22 I sent NewRez, XXXX XXXX XXXX, XXXX, TX XXXX, my mortgage payment plus {$50.00} of additional principal using my federal credit union 's online billpay service. On XX/XX/22 the XXXX indicated the check had cleared my account. On XX/XX/22, NewRez charged me {$47.00} for late fees, using the additional principal I had included with my billpay check.

I contacted NewRez on XX/XX/22, discussing this matter with XXXX XXXX, a customer service rep, with XXXX XXXX, a Supervisor, and with XXXX XXXX, an Escalation Specialist. 
After one-hour of waiting on hold, XXXX reversed the late fee which I had been charged.

NewRez not only did not credit my account as paid on XX/XX/22 when the check cleared, they charged me additional principal between XX/XX/22 and XX/XX/22 when the counted the check received. In addition, they unjustly compensated themselves for a late payment instead of attributing my payment to reduce the principal. 
I believe that NewRez needs an audit as I am not likely the ONLY VICTIM and they are likely charging many people late fees that are not justified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 non-monetary relief
Consumer complaint received 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was going through my credit file and I was surprised to find that there are several past late payments on my credit report from my capital one accounts. I've also attempted to resolved with them several them and I yet to get a response from them or even get it updated from 3 major credit bureaus. Also all 3 major credit bureaus are reporting different information about the same account from my Capital ONE. 

LATE PAYMENTS THAT NEEDS ATTENTION : CAPITALONE : Account # XXXX XX/XX/XXXX to XX/XX/XXXX Also CAPITALONE : Account # XXXX XX/XX/XXXX-XX/XX/XXXX I understand mistakes happen, but I received a copy of my credit report and found the following items to be in error. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Westlake Financial is responsible for the following : 1. ) Westlake Financial failed to disclose that the note is treated the same as cash and is a valuable instrument. 

2. ) Westlake FinancialDid not confirm that I was accessing my own credit, that actually derives from me. Westlake Financial is just keeping a record of it. 

3. ) Westlake Financialdid not state that they would keep the note when I re-pay the loan. 

4. ) Westlake Financialdid not state that they were going to sale the note 5. ) Westlake Financialdid not state that once they sold the note, that they were going to apply the funds to the loan and that they were going to keep the funds themselves, thereby enjoying unjust enrichment. 

6. ) Westlake Financialdid not state that they were going to insure the note, thereby creating a conflict of interest whereupon it is in their interests that I do not pay 7. ) Westlake Financialdid not state by depositing the note that I was providing them with an implied Power of Attorney and doing things on my behalf with my signature 8. ) Westlake Financialdid not disclose that they would benefit from using my property for profit and gain. 

9. ) Photocopies are being used for an alleged obligation or a liability, Westlake Financialdid not disclose the number of photocopies on hand. 

Westlake Financialis a Fraud 1. ) Misrepresentation 2. ) Inducement 3. ) Concealment 4. ) Theft 5. ) Extortion/ Menaces/Duress 6. ) Racketeering 7. ) Money laundering

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 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have several accounts that I do not recall EVER doing business with still showing on my credit report. I was a victim of fraud so demand to see any and all legal documents connected to any contracts for business. Please delete XXXX XXXX. This is the second time I have had this issue. They are in violation of FDCPA and FRCA laws, 623,611 FDCPA 809,805 Aas well as HIPPA!

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 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to 20 inquiries on my credit report. PLEASE HELP ME!!!

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 2020-01-16
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: DC
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 am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written consent to furnish these accounts. 

XXXX XXXX account # XXXX # XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX  account XXXX XXXX US DEPT ED account # XXXX XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 non-monetary relief
Consumer complaint received 2017-10-15
Company: Credit Plus Inc
State: NJ
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:
XXXX XXXX XXXX XXXX/XXXX/XXXX need proof of Authorization for these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Incomm Holdings Inc.
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was given 2x {$25.00} Vanilla Visa Gift Cards last XXXX with expiry dates of XX/XX/23 so didn't think there was any rush to use them. I went to purchase something for {$25.00} yesterday and it was declined. I thought perhaps I had to do something with then first so went online but didn't have the info needed so rang them. They informed me that both cards are worth {$15.00} now because they have been taking fees of {$2.00} per month from the XXXX month after the purchase date. Heaps of people are being caught out by this. It is disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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 A VICTIM OF IDENTITY THEFT, VIA THE XXXX SECURITY BREACH AS WELL AS XXXX XXXX BREACH AND PERSONAL IDENTIFICATION DOCUMENT THEFT. I HAVE RECIEVED THE FOLLOWING ITEMS ON MY CREDIT REPORT THAT NEED TO BE REMOVED TO CORRECT MY REPORT PER SECTION 605B. HERE IS NO NEED FOR A REINVESTIGATION AS I HAVE PROVIDED LEGAL PROOF AND A NOTHER INVESTIGATION CAN'T DISPROVE FACTS XXXX, EXPERIAN AND XXXX XXXX, PLEASE REMOVE THE FOLLOWING ITEMS ASAP. 
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 non-monetary relief
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XXXX of 2020, I checked my credit score to gage the health of my credit when I found that an auto lease was placed under my name. I did some research and seeing that the companies name is XXXX XXXX XXXX. I found out that it belongs to a family member with a similar last name as me. I reached out to both the family member and the XXXX XXXX XXXX in XXXX to rectify this issue but it has not been removed from my credit profile. Please help me in solving this issue. Thank you in advance!

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 2022-02-23
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I contacted american express around early XXXX about why I did not receive the XXXX skymiles after spending {$2000.00} within 3 months and their telling me I went online and clicked a promotion for XXXX skymiles for {$500.00} purchase which I do not recall. The expiration for the XXXX skymiles was on XX/XX/2019 which i called and clicked online 2 days before expiration. I will forward a copy of that promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018 XXXX  I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2019, multiple emails were received from Synchrony Bank, the issuer of the Amazon Prime store credit card. These emails contained lines such as : " A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER '' " Action required on your application '' In doing a quick search, it appears this happened to thousands of Synchrony Bank customers today. They have not notified customers, and when reached, their phone reps hang up the phone. 

This appears to be a major breach of some sort, and they are not addressing it appropriately.

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 2022-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit card was opened up using my name with Bank of America card was being sent to a address in 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 2022-02-23
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello A transfer was made to a non-existent or closed Citibank account which was linked to my XXXX XXXX savings account in error. I submitted multiple requests to reverse this ACH transfer at both Citibank and XXXX XXXX, but no one has been able or willing to assist. 

Full details of the transaction are below for reference : Citibank Account Number : XXXX Citibank Routing Number : XXXX ACH Trace Number : XXXX XXXX XXXX Originating Account Number : XXXX XXXX XXXX Originating Routing Number : XXXX ACH Date : XX/XX/2022 Amount : {$67000.00} XXXX XXXXXXXX has confirmed these transaction details but Citibank has been unable to locate the transfer.

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