BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: NY
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:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Atlanticus Services Corporation
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 information incorrect

Complaint:
XX/XX/2023 FORTIVA CREDIT CARD IS SHOWING A LATE PAYMENT ON MY CREDIT REPORT, SPOKE WITH REP AND HE IS SAYING THAT HE DOES NOT SEE IT THIS IS NOW REPORTING ON ALL 3 OF MY CREDIT REPORT I WAS NEVER LATE IN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: CITIBANK, N.A.
State: CA
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:
I opened an account with Citi Bank for their Citi Advantage card. I had to submit an application and i was subsequently approved. As part of the inducement to open an account Citi promised XXXX bonus miles if I spent {$2500.00} in the first 3 months of billing. I did, but now, for the first time< Citi is saying I'm intelligible because I had a prior account in the last 48 months. No where was that included in Citi 's promotional materials. This failure was intentionally misleading. If that was a condition of the credit offer it should have been disclosed in the advertising when the promotion was made, It was not. I believe Citi should be required to provide the promised XXXX miles.

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 2022-04-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax failed to provide me with clear and accurate results of my investigative consumer report for credit file # XXXX. On XX/XX/2022 I disputed XXXX XXXX XXXX XXXX Account # XXXX for inaccurate credit reporting. On XX/XX/2022 the investigation into dispute was completed but I was not provided with a copy of the results of this said dispute in ( 5 ) as required by the fair credit reporting act. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 I called Equifax and spoke with several agents and supervisors only to be told by an Equifax supervisor named XXXX ID # XXXX, that i will not be provided with a copy of requested results because Equifax does not have to provide this information in violation of title ( 15 usc 1681d ). consumers have a right to clear and accurate results of an investigative consumer report as stated in the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2021-08-19
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously had an account with XXXX back in XXXX. Upon making payment in XXXX of XXXX ; my service was disconnected days later. When I called to find out why my service was disconnected ; I was informed by XXXX that it was a mistake on their end due to miscommunication between the payment processing department and the service department. They waived the reconnection fee as a result. The following month XX/XX/XXXX, the same thing happened and when I called in to find out why service was disconnected I was given the same reason and they waived the reconnection fee again. The following month after that XX/XX/XXXX ; the service was disconnected again days after payment was made for the third time in a row and at that point I did not call XXXX back to reconnect the phone as they were in breach of our contract for not providing reliable service with payments being made on the account. This is why the only outstanding debt that is trying to be collected is an early termination fee. The reality is XXXX breached the contract so if anyone is entitled to an early termination fee ; it is I who should be entitled to collect an early termination fee from XXXX. 

EOS CCA bought the debt from XXXX years later and are reporting that the account was opened on XX/XX/XXXX. The XXXX account was opened prior to XXXX and closed in XXXX. I have contacted EOS numerous times asking for them to provide a contract showing that I opened the account on XX/XX/XXXX which they have failed to respond to or provide paperwork supporting as such ( because it does not exist ). I currently have XXXX which I opened the third time that XXXX disconnected my phone after payment was already made and my XXXX account was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. Has Violated my rights. 


1.XXXX XXXX/ Account Number # XXXX 2.XXXX XXXX XXXX  /Account Number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: OH
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:
All of these inquiries I dont recognize. 
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- 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 2023-07-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request that you promptly update my account with the correct and accurate information. Your timely action in rectifying this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Repeated calling and getting hung up on. They text and email you to call them. Reps hang up when it's not what the company wants to hear.no real attempt at helping or listening to customer concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently received a copy of my credit report and there are hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-22
Company: ONLINE Information Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received collection letter from Online Information Services XX/XX/ for a " debt '' they bought or acquired that is a COMPLETE SCAM! I knew I owed no such bill, and required them to send me their documentation of an original creditor. They sent some ridiculous fake documentation of a " provider '' I have never used, and have never even heard of. They dropped this fake debt on my credit report also, which is now in dispute. I had already been in communication with Online Services, and implored them to do due diligence and research this false matter. I can not believe collection agencies can just report false information to credit bureaus, and it immediately drops your credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Upgrade, Inc.
State: WY
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:
hello XXXX  is showing that the account UPGRADE INC XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, AZ XXXX has a missed or late payment, this is false, i will provide bank documents that will show i never have missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-11-03
Company: Specialized Loan Servicing Holdings LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I was charged a {$25.00} NSF fee to my account by Specialized Loan Servicing. I have tried contacting the company via chat, telephone, email, and secure message through my online dashboard. No one would help and said NSF fees are beyond their control. Maybe this issue needs to be taken up with the payment vendor ACI instead. I have not missed a payment or ever not had funds to cover my payments. In fact, I tried to make principal payments ahead of schedule, and SLS could not even get those applied correctly despite using their online form specifying exactly where and how to apply the payments. 
It was a payment scheduled for XX/XX/ that supposedly was NSF. However, I provided SLS my bank statement showing the payment cleared. Not only did it clear, but there was still money in the account after the payment posted that would have even covered another additional payment. I also provided the payment transaction history ACI showed, and was able to reconcile each payment that cleared my account to all the scheduled payments ACI listed. Again, I don't know how it was NSF if every payment has cleared. There was obviously funds in the account. I received an email saying it was reviewed and to log into my account for further details. I can not find anywhere in the SLS dashboard providing a response, explanation, etc and the fee still remains on my account. I have followed up several times again by email and have not received a response.

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 2023-03-04
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I applied for credit with MERCEDES-BENZ and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a MERCEDES-BENZ XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In approximately XX/XX/2023, I purchased a XXXX XXXX from XXXX I was offered a credit card through TD Bank with low payments and no fees or interest if payments were made on time. I did not receive any statements or emails. I received a call in, I believe XXXX. I asked for statements and fees to be removed. I was told, " we don't mail statements that we already mailed. '' I was told if I paid approx {$36.00}, the fees would be removed. I paid the amount. I received a statement and tried to log in to account. A message came on screen no such account exists. I've called and can't get anyone to talk to me. I am now getting emails saying I need to make a payment, I had no way to login and no address was provided for me to mail a payment. I have email ( s ), but am unable to attach to this complaint. Can forward if need be.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08
Company: FC HoldCo LLC
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: Old information reappears or never goes away

Complaint:
Over the past Three years, I have trying to get this information removed from my report at XXXX. I have made over 10 complaints ' with CFPB that XXXX only updates the incorrect information instead delete it as XXXX did after investigations of the matter. I am Demand them to Delete the account it has been over seven years of incorrect information. They have stretched the law for seven 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 2023-04-22
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:
This is my Follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 explanation
Consumer complaint received 2023-01-08
Company: CarMax, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted this Dealer several times in regards to rectifying their mistakes and damage caused for their negligence but have not received any formal response. I am excising right to rescind due to this companies negligence non compliance, deceptive practices & fraud. I was given financing from a financial institution but was still required to pay the company what was " considered '' a downpayment in the amount of {$500.00}. Under the Truth In Lending Act 15 U.S.C. 1601, et seq. ( TILA ). [ 1 ] TILA requires originating lenders in particular consumer credit transactions to provide certain disclosures about the loan terms and the rights available to the borrowers. If a lender fails to adhere to the TILA requirements, consumers are provided certain remedies, such as suing for damages or rescinding the loan entirely. [ 2 ] Such information was not provided to me. I have subsequently exhausted all options at this point and would like assistance in getting my issue heard and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been trying to get insurance on my vehicle. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit and I found things on there that I have never applied for. These items are not mine. Please remove this from my report. 

DPT ED/XXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX/XXXX   XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$980.00} US DEP ED XXXX {$980.00} XXXX/XXXX  XXXX {$360.00} XXXX   XXXX  XXXX {$170.00} US DEPT ED XXXX {$4500.00}

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 2023-04-22
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following INACCURATE ADDRESSES. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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