BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: Experian Information Solutions 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 report act this creditor, XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX  under 15 usc1 secton 602 states I have the right to privacy 15 usc1681 secton 604a section 2 also states that consumer agency can't furnish an account without my written instructions, under 15 usc 1666b creditor may not treat a payment on a credit card account under on open consumer credit late for any purpose. 

for the XXXX XXXXXXXX credit, I responded to a lawsuit, and they could not provide the information, it needs to be removed from my credit report.XXXX XXXX needs to remove cause limitations has been 7 years

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 2022-09-28
Company: Experian Information Solutions Inc.
State: NY
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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2023-08-25
Company: NAVY FEDERAL CREDIT UNION
State: WA
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:
These accounts are not mine. I need these accounts removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I pulled my credit report today XX/XX/23 and noticed my Hyundai account was still open and showed a past due amount. I leased a car from Hyundai which was totaled in XX/XX/2023. 

When I called Hyundai to get information on my account the automated system informed me my account was paid in XX/XX/XXXX by my insurance company. A balance of {$0.00} shows on my Hyundai online account. I would like my credit report updated to reflect the correct information. 

Thank you, 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 2023-04-27
Company: Early Warning Services, LLC
State: FL
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 opted out of Early Warning products and services XX/XX/2022 and yet they are still reporting false information. Then throwing the buck on XXXX XXXX XXXX. XXXX claims they did not report such incidents to them now having verified through a previous banking transaction it has been confirmed that they are still reporting false information. When speaking to them them about it I was laughed at and denied a higher tier request. You guys have peoples lives in your hands its not funny at and should be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: RS Clark and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I paid in full the remaining balance I owed to XXXX XXXX for laundry machine rentals. The amount owed was {$130.00} ( payment ID XXXX ). Once I paid the account I immediately disputed the account with XXXX on XX/XX/XXXX as paid in full. The account was opened on my credit report XX/XX/XXXX and the debt was bought by RS Clark & Associates. However, since I had to ability to pay the original creditor XXXX XXXX XXXX ) I did. 

On XX/XX/XXXX my dispute came back as the information regarding this debt being accurate ; meaning that I still owed this debt, when in fact I did not. I then called RS Associates on XX/XX/XXXX at XXXX to inquire as to why this debt was still on my credit report and being reported as unpaid. The representative proceeded to tell me that because I paid the original creditor and not them, they would have to get confirmation from the original creditor that the balance was in fact paid in full and that could take up to 45 business days. They refused to take any of the confirmation information I had in regards to the payment status of this debt, citing that it could be fraudulent. 

On XX/XX/XXXX I received an alert that RS Associates had updated this account on my credit report and falsely reported it as late/delinquent, have already had prior knowledge that this account was in fact paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Albert Corporation
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I opened a claim with the banking app Albert. I had them cancel my existing card & send me a new card. My debit card ultimately was used as credit for {$140.00}. They denied my claim because The transaction pattern and associated activities arent indicative of fraud. 
The transaction pattern isnt indicative of fraud. 
Deposit ( s ) occurred immediately before disputed transactions, indicating awareness of the balance and authorization.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX Name : XXXX XXXX XXXX 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 an 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 2022-09-28
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, DPT EDXXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
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 XXXX XXXX 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX Then this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-20
Company: OneMain Finance Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
One Main, XXXX XXXX XXXX XXXX IN XXXXXXXX, has an incorrect balance and/or charge oof amount listed. I have tried MANY times to get this corrected to no success AT ALL!

The balance states {$6200.00} but the charge off says {$6800.00}. How can you charge off more than your own stated balance owed?

AND if it is indeed charged off BY LAW, they should not have ANY balance listed!!! 
It should say " XXXX ''!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have a car financed with XXXX XXXX XXXX, I've discovered on XXXX XXXX website that I have an offer for refinancing my vehicle with Capital One Auto Finance on XX/XX/2019 I've submitted my paperwork with them ( W-2s 1099s, employment information as well as I mailed title of my vehicle ( lien ) to Capital One Auto Finance to the address provided, since then they placed a HARD inquiry on my credit and were missing my documents, every time I called them they had an excuse such as : " we could not verify your employment because your employer doesn't wan na pick up phone '' ( provided with phone number and extension of a person to reach ), " we need full 6 months of statements, we are still missing XXXX-XXXX '' ( initially provided ), " we are missing statement for XX/XX/2019 '' ( initially provided ). 
Capital One Auto Finance are very negligent with your documents and please be aware of that. Eventually I called them demanding to remove an inquiry and reply was : " it is not you need to solve it with a credit bureau or mail an official request to our special unit ''. 
I need to spend money because you negligent? I'm so upset and fell like these people do not take their job serious. Capital One, I'm not buying a sandwich with/without a pickle, it is a vehicle refinance! 
Note : Loan number that is in a next section is an actual reference number for a loan offer that was not taken due to constant missing docs on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EdFinancial Services
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted EdFinancial on XX/XX/23 to change my payment plan from income driven with a monthly payment of XXXX XXXX/month to the graduated plan XXXX XXXX/month. I was told by the customer service representative that my payment plan would be changed to the graduated repayment plan. I was told that there was no additional information that I needed to supply and no forms that I needed to submit. I logged onto my account over a month later XX/XX/23 to see that my repayment plan had still not changed. I tried to reach out to customer service again only to find out that wait times were 6 hours. I submitted a complaint on EdFinancial 's website as well as with Federal Student Aid at that time and still have not received any correspondence. I logged back onto my account on XX/XX/23 to see that my payment had finally changed to the graduate payment plan with a monthly payment of {$110.00}. I updated my auto pay information on XX/XX/23 as I thought the issue was solved. I logged back on today to see that my repayment plan has been changed again without my consent to income contingent with a monthly payment of {$320.00}. I tried to call again today to talk to a representative as there is no other way to apply for the graduated program and wait times are 10 hours. I submitted another complaint today however I find it very frustrating that I am not able to talk to anyone regarding my concerns and that my repayment plan has again been changed to an income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Dear All, I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX, regarding a debt charged to me, which I do not recognize and do not owe. 
I am receiving some calls requesting me to pay this debt, and my name is already in collection with credit bureaus. 
I called them today ( XX/XX/18 ) requesting proof of debt and this was refused. IQ associate told me that this document would be provided only if I pay my debt in full. 
In addition, I have never received any official letter or any other document via mail, informing me about this debt. 
This debt there is no origin, nor documentation, and I Q is just assuming that I owe and not proofing it, which means, this debt does not exist. 
Again, my name is in collection, jeopardizing my financial life, without any reason. 
I kindly ask for the CFPB to contact I Q requesting appropriate behavior, as well as ask them to remove immediately my name from the collection status. 
Many thanks in advance, Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: CO
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:
1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The credit reporting agency has information that is reported inaccurately. 
The acct # XXXX My Previous Address is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

My previous address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX My Previous Job was Sales Team Lead XXXX XXXX XXXX Member Experience Lead at XXXX XXXX This was changed without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In late XXXX of 2023 I received an advertisement in the UPSP mail from Chase saying if I opened a new checking account and deposited money electronically by XX/XX/XXXX than I would get a {$220.00} bonus for opening a new checking account. In addition to the physical mailed advertisement I received an email from Chase also saying I would get a {$220.00} bonus if I opened up a Chase checking account and set up electronic deposits into it. I opened my new checking account and my first electronic deposit of {$500.00} happened around XX/XX/2023 followed by another electronic deposit of {$500.00} XX/XX/2023 followed by a third electronic deposit of {$500.00} that is happening right now for a total electronic direct deposit of {$1500.00}. I have not received the deposit from Chase, so I called them and the representative told me I need to look at the fine print and not look at the large bold print in both advertisements Chase sent me. In the fine print Chase says you have to deposit a paycheck directly from an employer or a government agency like Social Security to get the check. If this are the rules or hurdles Chase is going to create for consumers to receive the bonus they are promising then these rules need to be in the visible and large print of the multiple advertisements Chase is sending in their solicitations. I went to alot of trouble to open this checking account and follow the rules, and I feel like Chase is doing a bait and switch. I want them to pay me the new account bonus of {$220.00} because I followed the rules they explicitly advertised in large bold print in their advertisements inducing consumers to open a checking account. I would not have opened a checking account with Chase if it were not for these written advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, 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 pulled my credit to myself for the first time in and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} XXXX XXXX {$240.00} XXXX XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Navient Solutions, LLC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Navient is the company that is handling my student loan. 
They have repeatedly and constantly are making phone calls, emails, and leaving messages on my phone. I had filed a compliant about this before, but there has been no relief. 
This company has been reporting balances to the credit bureaus, and of course there is a halt on all student loans due to the pandemic. 
This company has purposely lowered my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Global Lending Services LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I made my monthly payment then send in an additional payment with request that it be applied to pay my principal but this additional funds was not applied to pay my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, in response to cfpb complaint XXXX, Specialized Loan Servicing promised to send a refund check to me for fees they collected improperly after taking months to reply at all. 

No refund has ever been provided. So they don't keep promises to the CFPB either!

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