BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon simply creating an account for transunion. ( so that I could dispute something on my credit report ) I was charged just XXXX $ and subscribed to a monthly service despite never being asked about it. The page requires you to enter credit card information in order to create an 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 monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-04-09
Company: EQUIFAX, INC.
State: OR
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:
My parent plus student loan provider was recently changed by the US Department of Education from XXXX XXXX to XXXX. I did not request this change. The loan was transferred without my consent, apparently they can change providers as they deem appropriate. My score dropped XXXX points in one day due to the account being CLOSED. Ill get dinged again when the new lender reports a NEW account. This is not accurate reporting and the XXXX credit score model is obviously flawed. Im being penalized for a decision the US Government made for me ; or their loan servicing providers did. There has been no change in the amount due on the loan. It was a loan serviced change only. Not a closed or new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CREDIT ACCEPTANCE CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: LA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, I am writing to inform you of unauthorized inquiries on my credit report that I strongly believe are the result of identity theft. Under 15 U.S. Code 1681c2, specifically, the provision regarding the blocking of information resulting from identity theft, it is stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. This blocking should occur not later than 4 business days after the date of receipt by the agency of the request to block the information. 

I have identified the following unauthorized hard inquiries on my credit report : XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX SANTANDER CONSUMER USA : XX/XX/XXXX SANTANDER CONSUMER USA : XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XXXX/XXXX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I hereby request that these unauthorized hard inquiries be removed immediately, in accordance with the aforementioned statute. I understand the gravity of identity theft and its potential consequences on my financial well-being. I have taken all necessary steps to protect my personal information and ensure that this unauthorized access to my credit report is resolved promptly. 

Enclosed with this letter, please find a copy of my identification, a copy of my credit report indicating the unauthorized hard inquiries, and any other documentation you may require to process my request in an expedited manner. I kindly request that you confirm in writing when these unauthorized inquiries have been successfully removed from my credit report. 

I appreciate your prompt attention to this matter and your assistance in rectifying this situation. Please do not hesitate to contact me if you require any additional information or if there are any further steps I need to take in this process. 

Thank you for your cooperation and understanding as I work to resolve this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/XXXX my car was stolen in front of the house after XXXX KIA FINANCE SENT ME A LETTER IN THE MAIL REGARDING THE ANTI THEFT FOR KIAS AND WHEN I TOLD THEM ABOUT IT THEY MENTIONED IT WAS NOT FOR MY CAR AND MY CAR IS NOT A PUSH TO START TODAY I WOKE THE VEHICLE WAS STOLEN.

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 2023-05-30
Company: EQUIFAX, 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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 
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 accounts 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 these 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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 thank you for your help in removing some of the erroneous items on my file which are seems to be inaccurate. Per FCRA segment 605, you are required to disposed the following items that are seems to be an error on my credit report. I think you have enough time to make actions regarding this matter and be resolve immediately and as a result of that I am expected that all the items that such an error on my account will be removed. Kindly delete these following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: IA
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-09-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient is releasing my personal student loan information to people not on my contract and not associated with my account. They are repeatedly calling and harassing my school, place of work, friends, and even parents of my friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i am receiving XXXX care through the XXXX XXXX XXXX XXXX for which they bill me after they have been reimbursed by XXXX and XXXX supplement programs. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they have billed me {$320.00}, {$100.00}, {$280.00}, and {$110.00} respectively for services rendered. I have paid XXXX XXXX XXXX XXXX each of those amounts by checks # XXXX on XX/XX/XXXX, # XXXX on XX/XX/XXXX, # XXXX on XX/XX/XXXX, and # XXXX on XX/XX/XXXX, respectively. 

XXXX XXXX XXXX XXXX now claims that {$510.00} of the billed amount remains unpaid and has referred that amount for collection. 

This is in error and I suspect fraud. No effort to clear this matter by talking directly with XXXX XXXX XXXX XXXX has bee effective.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to express my deep concern regarding the inaction and non-compliance of the credit reporting agencies in rectifying inaccurate information on my credit report. I have diligently followed the proper procedures and submitted requests for the removal of erroneous data, specifically regarding jobs, addresses, birthdays, and names. However, despite the considerable time that has passed, these agencies have failed to update my credit report accordingly, violating the guidelines set forth by your organization. 

To provide you with a detailed account of the situation, I have outlined the necessary information below : Date of Initial Request : XX/XX/2023 Description of Inaccurate Information : The inaccurate information on my credit report includes incorrect jobs, addresses, birthdays, and names. These inaccuracies have had a negative impact on my creditworthiness and financial standing. 
Actions Taken by Me : I have repeatedly contacted the credit reporting agencies, both in writing and by phone, to request the removal of these inaccuracies. I have followed the established procedures, provided all necessary supporting documentation, and clearly outlined the specific items that need correction. 
Actions Taken by the Companies : Despite my continuous efforts, the credit reporting agencies have failed to update my credit report within the legally mandated timeframes. They have not addressed the inaccuracies or taken any steps to rectify the situation, causing prolonged damage to my creditworthiness. 
I would like to reiterate that the credit reporting agencies ' disregard for rectifying the inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ). This act clearly outlines the responsibilities of credit reporting agencies to investigate and correct inaccuracies promptly. 

Considering the gravity of this matter, I kindly request your immediate intervention in ensuring that the credit reporting agencies comply with their obligations under the FCRA. I implore you to investigate this issue thoroughly and take appropriate actions against the agencies that have neglected their duty to maintain accurate and up-to-date credit reports. 

I appreciate your attention to this matter and look forward to a swift resolution. Should you require any additional information or supporting documents, please do not hesitate to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute for overcharging me by dumpster rental company. They provided proof of tonnage that does not have any of my info and my credit card Wells Fargo refused to investigate it and closed the dipuste because I signed a contract for the service. I tried to explain to them that the fact that you sign the contract does not mean that the compamy can charge whatever theh want.

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 2023-05-30
Company: EQUIFAX, INC.
State: OH
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 several endeavors 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 records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
We are in the midst of a pandemic. And, American Express just notified me that my interest rate will be changing to 18.99 % from 13.24 % even though my payment habits have not changed, I make payments in excess of the minimum due, I have never been late and my financial situation has not changed. This increase is not a nominal amount. It represents an increase of over 43 %. During the midst of a pandemic and given interest rates are hovering at ZERO for American Express, I am quite appalled that an interest rate would be increased by over 43 % when nothing about their customer has changed. I contacted American Express who told me my account is being realigned to what others in my credit score range are paying. This is an extremely narrow range of criteria considering I have been an account holder since 1996. 
I won't be using the card any longer. I am reporting this complaint and will also be voicing my dissatisfaction through social media. The actions taken by American Express against customers in good standing during the midst of a pandemic is nothing short of disgusting greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
My vehicle was repossessed on XX/XX/2023. I paid a cash payment to the instaloan office where account was opened. I received a " Borrower Receipt '' and " Vehicle Release Form '' after paying {$820.00}. I was given 3 telephone numbers by the General Mamage XXXX XXXX without being able to connect with " XXXX '' or any other telephone number given to me to retrieve my vehicle, which is needed to work. I lost {$200.00} on XX/XX/2023 ; and as of XX/XX/2023 still can not reach anyone to recover my vehicle. Now the General Manager refuse to talk or help me recover my vehicle.

Company response to consumer: Closed with explanation