BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
DEVASTATION- CAR DEALERS RAN MY CREDIT 51 TIMES WITHOUT MY AUTHORIZATION AND WITH ME UNDER DURESS. In XX/XX/XXXX/XX/XX/XXXX I called a few car dealers to inquire about buying a car. I shared that my credit score was in the low 500 's. Many of them insisted on running my credit-I felt like I was under duress and felt pressure from these forceful Men, but I told them not to and for the few that I said yes to run my credit, I never authorized them to run my credit 3, 4 and 5 times. I did not buy a car from any of the dealers mentioned so I checked my credit the next month and realized that these companies ran my credit 51 times without even going to their dealerships. I was so depressed and overwhelmed with sadness that I could not work. When I finally was able to work I was not able to get a decent job because my credit score had dropped over 100 points due to 51 credit inquiries. I have suffered for almost 2 years and I just recently discovered that they were not supposed to run my credit without my authorization and that they had not right to run my credit so many times, especially after I had told them my score. Here are the companies that ran my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-08
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I sent dispute letters to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX, all of which are attached below to verify or delete a XXXX  XXXX bankruptcy. I received responses they do not believe it is me filing the disputes, and they have taken no action for investigation. Moreover, they are vague and refuse to supply their method of validation from the court with copies of the records.

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 2020-06-16
Company: Experian Information Solutions Inc.
State: OH
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:
My complaint involves all of the credit reporting companies, as I know at this time. One of my credit card companies sent a letter stating my credit score had been dropped to XXXX   based on reports from one or more of the credit reporting companies. I have tried to talk to someone with those firms in order to obtain information on which they furnished showing the basis of the score. The system they use for call in service does not allow one to speak with  a person to either give or obtain information. The most important complaint I have is that credit reporting firms do not attempt to talk to consumers in order to get the other side of a dispute. They primarily use information furnished by creditors on disputes. I was never contacted by anyone asking for my side of any problem. This is totally unfair in a country where, if one is  accused, the plaintiff must present proof of an accusation. Obviously, no attempt was made to develop the truth in at least this incident.

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 2018-03-13
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This university is collecting tuition and fees while dismissing students at anytime without evidence. Thus keeping the students funds that loans have been taken out for. These loans have been isssued through this institution then redeemed by the institution and forcing forfeiture of ability to benefit. They have done this to someone with a mental/emotional   XXXX or XXXX. The institution does this without hearing. When asked questions during dismissal the representatives said that they would not answer questions. When superior representation was contacted student was directed to an ombudsman. The ombudsman allowed for this students complaints to go unanswered to. Ultimately, this student has been given the run around for a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
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:
My identity was stolen last year. I filed a police report ( attached ) but fraudulent/unauthorized inquiries have still been showing up on my credit reports. The " credit bureaus '' Experian, XXXX, and XXXX have been reporting these fraudulent inquiries despite me reaching out and informed them these injuries are fraudulent.

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 2023-12-03
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. XXXX Account 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 XXXXXXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States Ihave 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 2023-12-03
Company: Experian Information Solutions Inc.
State: GA
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:
The following companies have been furnishing unauthorized and unlawful information in accordance with Federal law 15 USC 1666b... ALL LATE PAYMENTS MUST BE REMOVED from my account immediately. 
Here are the following accounts that are also not XXXX XXXX compliant... 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX Bank In addition, I have supplied a Federal fraud report for all the above accounts. The accounts need to be removed. I am also requesting the written permission from your company that gives you my permission to report information via my permission, and for you to request the same from your affiliates.

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 2023-12-03
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of identity theft and have been filing disputes with the credit agencies. They are not attaching the paperwork I send according to the FCRA to the disputes I submit and are not sending me copies of the verification process that I request. The people I speak to over the phone don't understand 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 2023-08-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This account with Synchrony Bank was opened when I bought a mattress at Mattress Firm and they offered me no interest financing. I have had a myriad of issues with Synchrony. Their operations and systems are chaotic. The latest problem I had was when they randomly decided to cancel my autopay causing me to miss a payment. Their method of informing me was to send an uninformative email on XX/XX/2023 to me to click a link to read a message for me. The link did not work when I attempted to click and read the message. I attempted various times. 

Today, I logged into my sychrony account and discovered that my payment was overdue. I went back to the uninformative email of XX/XX/XXXX and was able to click through and open the message. The message stated that my autopayment amount was being changed to {$0.00}. My balance is still {$1800.00}. There is no reason listed for this change and it was not a change that I authorized or attempted to perform. Now my account is overdue. 

Earlier problems with Synchrony include that they did not send me information in the mail when my account was setup and the first payment ( or perhaps multiple payments ) were missed because I didn't know the account had been opened yet. I learned about it after receiving a past due statement. Resolving this was difficult and I spent hours on the phone with off shore customer service agents that could not help and were not trained to address the issue and did not know English sufficiently well to comprehend the problem. I was finally able getting it fixed after one helpful customer service agent finally escalated and I spoke to an American agent who got it resolved. 

Synchrony appears to either act in bad faith intentionally hoping to cause customers to miss payments so that they can charge exorbitant interest rates citing breaches of contract OR their systems and operations are poorly setup to actually manage their accounts.

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 2021-10-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit balance on my rewards card. I called to have it transferred to my Citi savings account. Instead Im told I must mail in a request for my own money to be put in my account. Citi needs to do this over the phone or at least give me an email address to get this deposited into my savings.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Department of defense {$890.00} .. XX/XX/XXXX Never received notice. I have fax documents, called. I have never received any payment since I was in the state of Georgia XXXX DOD has streamlined its debt collection regulation but key parts of it were incomplete and unclearand the services didnt consistently follow it. For example, some service members were not properly notified of their debt or the right to dispute it. Also it indicates closed account/ Then indicated payment on time XX/XX/XXXX Now indicated late paying 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 2023-09-05
Company: Loqbox US Inc
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
loqbox.com We reviewed your Loqbox Save and have noticed that your auto payments were not initiated on your selected payment date. We apologize for any inconvenience this has caused. Due to this technical issue, we have unlocked your Loqbox Save and will be removing this tradeline from your credit report. This does usually take about 60 days to reflect on all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Commonwealth Financial Systems, Inc.
State: NC
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:
Commonwealth Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor : XXXX XXXX  XXXX  Amount : {$530.00} RE : Dispute Result # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX Dispute Report # XXXX, Dated XXXX To whom it may concern : We have disputed the inaccurate reporting of the referenced account on four ( 4 ) separate occasions, however, have had no correction to my credit reporting. 

We contacted the Commonwealth Financial Services , XXXX ( " CFS '' ) on XX/XX/XXXX to discuss the account, which was paid in full on XXXX. They indicated that they could not prove that my payment was for the bill in question. 

We then contacted the original creditor, XXXX XXXX XXXX ( " XXXX '' ) on XX/XX/XXXX. The account was located and noted that it had been paid and should have been closed. XXXX sent an email to the XXXX in house collection agency, XXXX XXXX XXXX to indicate that the account was paid and closed. XXXX sent us a screen shot of our account which indicated the account was paid on XXXX. 

We were transferred to another department at XXXX XXXX XXXX on XX/XX/XXXX and discussed the matter again in detail with another representative. The representative confirmed the account had been paid and said she would contact CFS to have the inaccurate information removed from my credit report. 

After several months of contacting both XXXX and CFS we have had no change in my credit report. We discussed the matter in detail with CFS ( " XXXX '' ) who indicated the report would be corrected. To date the inaccurate reporting remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: MS
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA 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 2023-12-03
Company: Experian Information Solutions Inc.
State: FL
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:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. 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 explanation
Consumer complaint received 2023-12-03
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As student loan repayments were starting back up, EdFinancial sent me a statement in XXXX that reflected my payment for my income-driven plan, which was around XXXX XXXX/month. Closer to XXXX, they sent me a different statement for XXXX XXXX/month. On XX/XX/XXXX, I called them to find out why, and they said I had been changed to the SAVE plan. I told them I never submitted anything to be switched and asked why they switched me, but the representative didn't have an answer. I asked to be switched back, and the rep said it would take up to 32 business days, and I still had to make the {$970.00} payment for XXXX. 

Over 32 business days later, I called them on XX/XX/XXXX to find out why the change hadn't been made yet. The rep at that time saw the previous request but didn't know why my plan hadn't reverted back yet. She told me she was placing my request in an emergent status, especially since my account is soon transferring over to XXXX. She then placed me on hold to try to get ahold of her supervisor, which was to no avail. She said she tried to make more calls, but she still received no reply. From there she said I could simply go into delinquency if I wanted to, and I would have to wait for a call back at a later time. Not trusting that, I again had to make another {$970.00} payment. Now into XXXX and my account closer to transferring to XXXX, my plan has still not been changed back to my plan that was supposed to be good until XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-03
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of identity theft. I continue to try to file disputes with the correct paperwork according to the FCRA. But these disputes are not being filed correctly and the FTC reports are not being attached to the disputes I file. I am still not getting copies of the verification process per the FCRA. When I call I cant get any 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