BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2023-09-16
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I HAVE RECIEVED NUMEROUS NOTIFICATIONS ABOUT A PHONE ACCOUNT THAT IS NOT MINE. I HAVE CONTACTED XXXX WHICH WAS NOW XXXX XXXX XXXX THAT IS IN CHARGE OF THE DEBT COLLECTION. AFTER DISPUTING WITH XXXX XXXX XXXX, THEY WERE NOT ABLE TO PROVE IT WAS MY ACCOUNT. I HAVE ASKED FOR CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. NONE OF MY REQUEST HAVE BEEN GRANTED EXCEPT THE FACT THAT I WAS SENT INVOICES THAT ONLY SHOWS MY NAME THAT IS INCORRECT, AND AN ADDRESS THAT SHOWS THE BILLS WERE BEING SENT TO THAT ADDRESS I HAVE NEVER LIVED AT IN MY LIFE. NOW THIS COMPANY XXXX  AS WITH ACCOUNT # XXXX IS TRYING TO DO THE SAME THING AS THE PREVIOUS XXXX COLLECTION COMPANIES. AGAIN THIS ACCOUNT IS NOT MINE, IT WAS NOT OPENED BY ME. AGAIN, I WAS NOT SENT THE ORIGINAL CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. WHEN I DISPUTED THE INFORMATION WITH XXXX  AS, THEY STATED THAT " XXXX DOES NOT REQUIRE A PHYSICAL WET SIGNATURE WHEN OPENING AN ACCOUNT AND SIGNATURE IS NOT REQUIRED FOR A DEBT TO BE CONSIDERED VALID ''. ( SEE DISPUTE ATTACHMENT ). I FIND THIS RESPONSE FROM THIS 3RD PARTY COLLECTION AGENCY AND XXXX OUTRAGEOUS. SO YOU TELL ME THAT ANYONE CAN OPEN A PHONE LINE WITH XXXX VERBALLY? WITH NO FORM OF IDENTIFICATION OR ANYTHING. AGAIN, I WILL ATTACH MY IDENTITY THEFT REPORT. PLEASE HELP FIX THIS ISSUE AND DELETE THE COLLECTION ACCOUNT FROM ALL CREDIT BUREAUS.

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 2021-10-01
Company: Mercedes Benz Financial Services
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Back in XXXX of XXXX, I purchased a XXXX XXXX XXXX XXXX. The vehicle was financed through Mercedes Financial. Fast forward to XX/XX/XXXX, I was on autopay with my debit card. As a unconscious mistake, I didn't realize the debit card linked to my account was expired and not updated within the system. It was only after I noticed the payment had not been deducted from my account that I reached out to Mercedes. It was at that point that I was told there was no way for me to pay the missed payments. I was told they either wanted the loan balance in full. I tried to speak with them and negotiate paying the back payments and bringing the loan current. They told me there was absolutely no option to do so. They told me they wanted the car, or for me to pay the loan in full. 

Fast forward to present day, I have lost my job. I unexpectedly lost my husband, and have been trying to get my affairs back in order. I recently reached out to Mercedes and now I have been told a different story as to how I can reinstate the payments, pay the total payoff or turn the vehicle into a Mercedes dealership. However, they did not state what will happen if I turn the vehicle into Mercedes regarding the loan balance. 

I requested a statement of my payment history. At the time of my phone call I was told the payoff was {$30000.00}. However, upon receiving the payoff statement it was reflected of {$26000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: LEXISNEXIS
State: SC
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 writing to express my concern about the current policy of asking consumers to send sensitive personal information via traditional mail, such as driver 's licenses, social security numbers, addresses, and utility bills. While I understand the necessity of collecting this information for credit reporting purposes, the current method poses significant risks regarding potential loss, theft, or misplacement, which could further compromise individuals ' credit security. 

I've attached the recent response and all requested documents uploaded to this secure portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported and disputed this information several times and Experian continues to allow inaccurate information on my credit report. 

XXXX is reporting on my report in duplicate. This error has remained on my report. 
Error 1 : Duplicate account showing Error 2 : Information is incorrect and shows errors Error 3 : Experian has not investigated this as indicated by the amount of errors on this duplicate error account.

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 2023-05-03
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$870.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2023-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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:
Upon receiving a free copy of my credit report I noticed a few accounts that were inaccurately reporting.. I disputed the information back in XXXX and all XXXX did was put a notice of dispute and the inaccurate account continued to report. The account type says a collection account but the account status says open. This is inaccurate reporting because a collection account can NOT be open.

This is a violation of 15 USC 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: NY
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 accounts ; XXXX XXXX  XXXX, XXXX XXXX XXXX, EXPERIAN 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 are hindering me from getting a new car and a mortgage for a house because my credit report has compromised. The above accounts and inquiries are fraudulent and I want those accounts removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a care credit, synchrony bank, account for over 10 years and never once was late on a payment. As I am changing banks, I called on XXXX XXXX to confirm that they had the correct information to process a payment. The customer service rep confirmed he had the correct routing number and account number. The payment was reversed because the information was incorrect. During that same call, we set up auto-pay for my mattress firm account, also with synchrony bank with the same routing number and bank account. 
Care Credit is part of synchrony bank. I also have a mattress firm account with them. I called today XX/XX/2023, and asked to confirm the routing and account number they have for autopay it was correct. I gave them the correct information on the phone. Otherwise, they would not have it for my autopay account. 
The issue now is that I had to make a payment on XX/XX/XXXX and it appears that I was late when I was not. 
They told me I was not allowed to file a complaint and attempted to say I gave the wrong information. How then do they have the correct information for the autopay on my mattress firm account? Their rep made an error and now my perfect payment history of ten years is ruined. These people are rude and abrupt every time I call.

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 monetary relief
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the 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. 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 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

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 2021-09-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased a closet with the container store in XX/XX/2020. My purchase qualified for the 24-months special financing. To be eligible for the promotion, I had to apply to the store credit card managed by Synchrony bank. During the application process, a card security fee was automatically added to my account without my knowledge. For the past 20 months, they have been charging me a card security fee ( every month ) along with interest fees. 

I was unaware of the charges because I set up automatic payments that would add to my purchase amount when I got the credit card ( I calculated how much I needed to pay per month to finish my debt within 24 months ). To my surprise, when I wanted to pay it sooner, I was owing to them way more than my original purchase price. I have called them and argued, and they have refunded me some of my money, but there is still a balance of {$530.00} that they refuse to refund 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 monetary relief
Consumer complaint received 2021-09-30
Company: Better Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I went with 'Better ' mortgage to purchase an investment property. They offered competitive rates so I thought, why not? It's an investment property and every lender credit/lower rate helps. 

The number of tasks you need to complete to get your loan reviewed is unending. You think you're done and then you receive a wave of new tasks. 

Fast forward, FOUR MONTHS LATER, closing was scheduled. All well and good until CLOSING DATE. 

CLOSING DATE -- XXXX - reached out to loan officer and he cloud not provide status. Promised to get back to me. Then I get a call at XXXX -- the terrible news -- " We can not close today because our HOA team just realized that the units sold/under contract in the condo building are not above 50 % '' " We need to get an exception from XXXX XXXX '' . 

SERIOUSLY? 

Me : Why was this missed? 
Me : What was your HOA team doing from the day I put in my application over 4 months ago? 
Better Mortgage : Oh our HOA team was not on top of it. It's our fault and we take full responsibility. 

Me : Am I the first customer that has experienced this? 
Better : No, it's actually happened at least once before. 

Me : So why the heck did you not put appropriate controls in place to ensure this does not happen again? 
Better :.. 
Better : ... ... mute.

Better sent me an email days later saying they will deny the loan request. 

THIS IS THE WORST BORROWER EXPERIENCE I HAVE EVER HAD. 

Unbelievable and shocking that a company that positions itself as a disruptor to the mortgage industry can operate in this manner. 

I opened another loan application with XXXX  Lenders - terrific company and I was able to close the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Credit card : Walmart credit card. 

Issue : Taken off automatic payments without permission. 

My credit card servicer was XXXX XXXX, but there was a transition to a different service provider : capital one. 

Ive never missed a payment for that card in three years. Ive also never missed a payment for any obligation for over seven years. 

When the transition to capital one occurred, my automatic payments were not transitioned. Ive been overseas for the past 7 months and established autopay in order to avoid any lapses in my payment obligations. 

As a result, my payments lapsed. Theyve been gracious enough to refund all of the fees and penalties theyve charged after I was able to get in touch with them, but my credit has suffered. 

Can you do anything? I feel that they are directly responsible as this wouldnt have occurred had automatic payments not been XXXX in the corporate transition.

Company response to consumer: Closed with explanation