BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CEASE AND DESIST LOWE 'S SYNCHRONY 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. 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 : Do NOT close MY account without MY authorized permission. This is account is my property, as it was an extension of MY credit card ( social security card, pursuant 15 USC 160XXXX ( l ) ) -Zero out the balance on this account. -Do not seize or attempt to seize anything in my possession. Again, I initiated this transaction with my credit card ( social security card number ), and this ensures that my account is paid in full in 15 USC 1602 ( l ). I did not fill out a LOAN application because banks can not lend money ( 12 USC 1431 ) -this looks a lot like fraud to me. I am the consumer, and should benefit from this transaction. LOWES SYNCHRONY, you did not lend these funds to me to utilize the account ending in XXXX. I participated in a consumer credit transaction using my social security number ( credit card ) and not a loan Pursuant to 15 USC 1602 ( i ). At this point I have determined that I am not going to allow my rights to be violated anymore by you. LOWES SYNCHRONY is involved in fraud in many ways, and you knowingly violated me with the fact that any balance over {$1.00} should be credited to my account. I am demanding you to refund any part of the amount of the remaining credit balance, leave my account open to utilize each and every month. LOWES SYNCHRONY, by federal law definition you are a debt collector, 15 USC 1692a ( 6 ) or who regularly collects or attempts to collect, directly or indirectly, debts owed. I will also be forwarding this complaint to the Attorney General. Best regards, 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 2022-03-06
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the XXXXederal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: MI
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:
Information is missing from my credit profile, that being a XXXX card in my name with the following account # XXXX XXXX XXXX XXXX. 
XXXX XXXX added me as an authorized user on his XXXX card back in XX/XX/2021. XXXX did approve and add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX and Equifax to verify this information with XXXX Card services. 
I am also asking XXXX and Equifax to verify XXXX  authorized users policy which states : *XXXX reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit. 
I am also requesting the missing information be added to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-07-01
Company: Experian Information Solutions Inc.
State: CA
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:
These companies have reported late payments. 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 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 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 found an account on my credit report that is not mine

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 2022-06-19
Company: Yamaha Motor Finance Corporation USA
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: Account status incorrect

Complaint:
XXXX XXXX ( CEO ), Yamaha Motor Finance, shall be prosecuted for performing deceptive business practices. 

This letter shall be forwarded to the Internal Revenue Service ( IRS ) as well.

Yamaha Motor Finance be aware you have violated federal law and provided false and misleading information to an Consumer and you will be held criminally liable and accountable.

Yamaha Motor Finance ( XXXX XXXX CEO ) closed my account without my lawful authority and any person who is responsible for violating my consumer rights will be prosecuted.

Yamaha Motor Finance understand you do not have any lawful authority to close my account that have issued, and have security interest in.

I promise you will be held accountable for all your deceptive business practices. 

I have revoked XXXX XXXX XXXXYamaha Motor Finance Power Of Attorney and I am demanding all remedy and demanding all of my property and I claim all my rights to the proceeds and demand all amounts due be payable into me ( XXXX XXXX ) XXXX You have 20 days to return all my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Bread Financial Holdings, Inc.
State: VA
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:
Ever since Comenity was purchased by Bread Financial, I have received none of my points for my Sony XXXX card. This has been going on since XXXX 2022. I have contacted both Sony rewards and Bread Financial. Both have said my points will show up, but nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
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:
since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX every time i called the Experian, XXXX  and XXXX  credit bureaus, they tell me something different non sense. please help me to sort this out.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-06
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hyundai Capital of America violated Section XXXX  of my XXXX Lease Agreement by unilaterally implementing an increase in my monthly lease payment from {$390.00} to {$390.00}. Section XXXX requires that this increase be approved in writing by me before it can be implemented and this was not done. Further, they threatened to report me to the applicable credit bureaus if I failed to pay this increased amount.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
It's credit karma I always felt something was not right I gave my information write it down and they are pre-approved me and also I'm not approved in the next thing I see on my credit report hard inquiries something is not right why did this even me I don't like that I don't like that at all why that prove you you've been approved and then the next thing I'm looking hard inquiries XXXX XXXX XXXX XXXX and it's too many of them and I've been disputing about something for a long time to be removed because I know I paid it off and it's still there and it's like I'm battling a hard mountain

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 2024-01-12
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My name is XXXX XXXX, I have an issue and I need assistance. I purchased a car from XXXX in XXXX of XXXX and they failed to disclosed to me the car was apart of a nation wide class action lawsuit. They lied and told me the car had no recalls. And they car started to mess up ( XXXX ). I was told they wouldnt fix it. The car stop in traffic three times, the clutch switch gears. The car then decided it wants to over heat and almost catch fire. Its a XXXX XXXX XXXX. I contacted XXXX XXXX and XXXX and offered to fix the car, I then had it repaired the car started doing the exact thing XXXX miles later and is not drivable. Then upon looking at the documents that was provided to me when the car was dropped off, my signature was digital forged, no knowing it can accept however, avoided under certain circumstances. The only documents I signed was the release of the car upon delivery. I started an out of court process settlement it begins in a two weeks ; me vs XXXX XXXX XXXX. I am facing a lot of financial difficulties because the car isnt working. I than tried to take it back to XXXX for service they denied towing when there website offers it for free and than was told they cant service the car til XX/XX/XXXX, if I can get it to the dealership.

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 2021-02-16
Company: EQUIFAX, INC.
State: UT
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:
The three major credit bureaus : XXXX, Equifax, & XXXX  are reporting erroneous items on my credit. I have been disputing with the credit bureaus for months now and have yet to hear back from any of them! It's been over 6 months and they have yet to send me any letters or results! There are seriously inaccurate items reporting on my credit not allowing me to buy a home and they have not been responding. This is ridiculous, under the law you have 30 days to respond to my disputes and it's been well over! These items must be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: TX
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 XXXX ( XXXX ) is inaccurately reporting 2 late payments for XXXX and XXXX XXXX XXXX on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to XXXX in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by XXXX that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the 2 inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the cc department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, XXXX updates the same information, containing the 2 late payments. This is frustrating and very stressful to my life!

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 2024-01-12
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
My signatureXXXX. I never legally signed the Retail Installment Contract and Security Agreement of XXXX and Retail Purchase Agreement if XXXX. Its a digital signature that they provide when they dropped off the car. I know that Esign and UETA acts there are for major requirements for an electronic signature to be recognized as legal under U.S. law. And that is the Intent to sign, consent to do business electronically, clear signature associations and record retention. This is for the State of South Carolina. BridgeCrest and XXXX has violated so many of my rights without a proper remedy. My Consumer Fair Rights, Dealership Act of SC and My Right to Rescind and Regulation of Manufacturers, Distributors, and Dealers and Motor Vehicle Dealers Trade Regulation Rule.

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 2022-09-07
Company: MovoCash, Inc.
State: NC
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:
I received an email congratulating me on my new credit/debit card Friday XX/XX/XXXX, XXXX have never even heard of MOVO! I called the same day and asked them to close the card because it was opened fraudulently. They asked me to identify myself, my email, my last four SSN. They said theyd escalate the issue. 
Today I received emails with purchase statements in the amount of about {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: Account information incorrect

Complaint:
On my credit reports the total amount owed on my student loans is incorrect. The account is listed on my credit report as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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:
Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. These inquiries were made without my consent or authorization, and I have not applied for any credit or services associated with these inquiries. The unauthorized inquiries negatively impact my credit score and financial well-being. 

Here are the details of the unauthorized hard inquiries : I have not initiated any financial transactions or applications with the aforementioned creditor/company on the date mentioned. Therefore, I request a immediate removal from my credit report. 

Enclosed with this letter are copies of supporting documents that demonstrate that I did not initiate these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I believe that the inclusion of these unauthorized inquiries violates my rights under the FCRA. 

Please consider this letter as a formal dispute under the FCRA. I appreciate your prompt attention to this matter. 

Thank you for your cooperation in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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