BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The reason of writing this letter is in reference to the XX/XX/2020 report that Ford credit report to the credit bureaus of my account been 30 days late. Fordcredit switch my regular monthly paper bill statement to electronic, causing for me not to get my monthly regular paper bill that I use as a reminding for a bill to be paid and causing the Ford bill no to be send promptly. I never request to be switch to electronic bill and I will never consider doing so. Again, I am politely requesting for Ford Credit to correct the 30 days late mark on my credit cause by your tricky software system trying to put Ford Credit customers into electronic statements. Finally, Ford should be more clear in the way they want for the customer to switch to e-bill not just using a sneaking way to get people to do it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed the validity of this debt with equifax twice and have not received any results. In XX/XX/XXXX and XX/XX/XXXX equifax has received my dispute request via certified mail. Im so curious on how equifax was able to verify this debt as mine when the other bureas were able to determine that it was not my debt and deleted it from my reports. If the company has to report the same information to all bureas, what has equifax found differently that deems the debt as valid? The company itself can not validate the debt so how can equifax? Due to this erroneous account I have been punished by receiving unfair rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: SLM CORPORATION
State: CA
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 got Sallie Mae credit card for {$200.00} rewards after spending {$1000.00}, I paid it all off and they said I have to make another {$200.00} purchase in order to use the reward towards payments, after couple of months they said I owe {$400.00} so I told them I didn't authorize two {$100.00} purchase and disputed the charges and I said you can use the rewards to pay for the other {$200.00}, they refused and said I have to make a {$100.00} payment, since yhe account is delinquent! I never told them to email the statement as I always work with mailed statements so I never saw their email for the payment..I have a very good credit score as I'm alway on top of my payments and they ruined my credit by reporting to collection agancy!! I regret I ever did business with this company!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Greeting, I have submitted to the credit bureaus Transunion and XXXX within the last two years several disputes in refrence to several accounts that were opened under my name and social. They were able to successfully remove a few items, however there were others that were still reminding on the credit report such as a two bankruptcies that were filed on my credit report. On XX/XX/2016 and XX/XX/2016 After being told that the account and items were valid, the items remained on my credit report. Preventing me from obtaining credit and being denied for several investments.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft. I had filed complaints to the TransUnion on XX/XX/2022. The bureau received the complaints but has not taken off theUnverified information from my report. 

The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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 2023-04-24
Company: Experian Information Solutions Inc.
State: MN
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:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V.GRAVENS ( MO ) 281 SW 715, 719, I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 


Please erase from all credit/debt reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 to the fair credit report XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to this privacy 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit report as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2018, credit card payment of {$10000.00} was made and posted on XX/XX/2018. 

On XX/XX/2018, {$10000.00} payment made was posted on XXXX XXXX where funds were withdrawn. XXXX Bank received {$10000.00} from XXXX XXXX, and it was also verified by XXXX XXXX that funds were released to US Bank. US Bank would not apply {$10000.00} payment made to available credit, even after funds were released ( by XXXX XXXX and received ( by US Bank ) for 2 days, but put a hold on payment for 7 days without valid justification. At XXXX, I spoke to XXXX , representative from US Bank , and advised me to have XXXX XXXX fax the proof of the payment transaction of {$10000.00}, then they will release the hold. All the conversations were being recorded by US Bank. 

On XX/XX/2018 around XXXX, I spoke to XXXX, representative at US Bank in Missouri, advised me again to have XXXX XXXX fax the proof of the payment transaction of {$10000.00}, then they will release the hold. At XXXX, XXXX XXXX sent a fax to US Bank of what they requested. I called US Bank at XXXX, spoke to XXXX , representative at US Bank ( phone recording confirmation # : XXXX ) to check the status of the fax sent, it was received but they still would not release a hold, once again XXXX at US Bank could not provide valid justification. To XXXX, I requested supervisor call back, but never received a call, XXXX never put a request. I decided to go on a trip with trusting what they have advised me ( to release the hold ) on XX/XX/2018, but could not use my credit card because of their deliberate lie. 

This is unacceptable and abusive business practice to American people and this incident should be reviewed by CFPB carefully and also by other government agency who has enforcement capability.

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 2019-08-27
Company: Quality Recovery Services, Inc.
State: GA
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 have sent a letter out disputing this account asking for the contract with my signature. I sent a dispute 3 times asking for proof. XXXX, and XXXX has deleted this inaccurate account because it is not validate. I want this delete off my credit report, it has been over 3 months

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: SANTANDER HOLDINGS USA, INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
filed XXXX  XXXX in XXXX, Santander who holds the loan for XXXX XXXX XXXX, that was purchased in XXXX, refuses to disclose any account information to me, I have called several times, and have spoken with different people, I received an email from my attorney on Thursday XX/XX/XXXX to reach out to them and I did, talking to XXXX ID # XXXX, she informed me that she did not have to disclose anything, in the email from the attorney I am being told, that a " motion to dismiss '' is being filed, and I do not know why this is happening, I do know I have paid more on these car in the past three years than would have been recovered in a XXXX  XXXX, also, in XXXX Santander was sued due to high interest rates ( mine was 28.9 % ) that was charged and in the settlement people accounts was closed or interest rates made was modified, ( mine was modified in XXXX when bankruptcy was filed ) I was told I would not receive information on that either in the settlement, it states that if the car repossessed ( and mine was ) that we should have been notified and I was not, I filed to get my car back and get back on track with payments. If the " motion to dismiss '' my case is granted, Santander is stating money is owed and this is impossible, payments was made prior to the bankrucy and three years later are still being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Lincoln Educational Services Corporation
State: PA
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:
I checked my credit report and found my account with Lincoln Technical Institute was charged off as a bad debt, profit loss or write off. The account is listed as being closed and in collections as a charge off. I spoke wit a representative at Lincoln Technical Institute ( XXXX ) XXXX and in their system it shows the account as being up to date. Payments have been made monthly and on time since XX/XX/2011 as an automatic withdraw from my account. The representative could not find any information in their system that says I'm not in good standings with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a prey of identity theft. I am writing to appeal that you block the following false information from my credit report. I have no knowledge how the theft took place. I also have no awareness of any suspects. I did not obtain any money, goods, or services as an outcome of identity theft. Please inform me if you want any other material from me to block this information from my credit report 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 2022-10-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NISSAN MOTOR COMPANY / NMAC ACCOUNT : XXXX XXXX XXXX XXXX XXXX, Tx XXXX I am a natural person, XXXX XXXX and am writing this letter on my own behalf. 
When I entered into this consumer transaction, with NMAC company account number XXXX that NMAC / NISSAN was and is in violation of 15 US code 1601, Ch. 41. 
Congressional findings and declaration of purpose. My understanding is that there must be an informed decision for there to be an agreement, and that did not happen between us. 
The first fact is that I made an uninformed decision when I entered into this consumer transaction.

Congress says in part ( a ) that there must be an informed use of credit, therefore this is a violation, as I made an uninformed decision.

Next, in part ( g ) congress says the the person to whom the debt is arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness, or, if there is no evidence then by agreement. You are in violation because there is no evidence of indebtedness, only an agreement, which is null and void because I made an uninformed decision. 
I also have requested to see proof that you suffered a loss or injury from the transaction. You have denied me that proof and a copy of the 1099C you should have filed after the charge off. I am concerned there may be tax fraud in addition to consumer protection violations. I have learned that the IRS defines charge offs as income and income isnt supposed to be reported on the consumer report. However, you have damaged my reputation by providing this to the credit reporting agencies for several years.

Finally, in part ( K ), Adequate Notice, congress says there must be a printed notice clearly and conspicuously printed so the consumer is reasonably expected to understand. A computer generated notice of legal jargon was not understood by me, it was not clear and conspicuous and this is in violation. 

Regards, XXXX XXXX XXXX Cc : CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, Consider this letter a formal instruction and unequivocal authorization to immediately remove and delete the inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, from both the consumer report and file associated with the SSN and File Number referenced above. I expect full compliance with this demand, as it is well within my rights under 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ).

Failure to comply with this directive within 5 business days from the date of receipt of this notice will be viewed as a deliberate violation of my rights, and I will not hesitate to pursue all legal avenues available to rectify the situation and seek appropriate remedies.

To emphasize the urgency of this matter, I demand your immediate attention and action. Remove the aforementioned inquiry without delay and ensure its complete eradication from all pertinent records.

Attached for your reference and verification are the following supporting documents : 1. USSA PASSPORT CARD 2. FTC IDENTITY THEFT REPORT I expect a written confirmation of the inquiry 's removal within a reasonable timeframe, affirming that my consumer report and associated file have been thoroughly purged of this derogatory information. 

Take this demand seriously, as any further delay or noncompliance will be met with swift and decisive action. 

Regards, 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 2022-10-07
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand 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 2022-02-18
Company: LEXISNEXIS
State: TX
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 am a victim of identity fraud and I will like to freeze my report and remove all inaccurate information from my report. 

My Correct name is : XXXX XXXX XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My new student loan provider, Aidvantage, has been charging interest to my accounts despite the CARES Act suspending payments and freezing interest rates at 0 % until XX/XX/2022. Payments I've made since Aidvantage took over my loans have largely gone to interest that has been wrongfully charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that 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 2023-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXXXXXX XXXX has a collection for {$420.00}. I canceled them because they were too high and I got XXXX, I have contacted both but its still on my credit report. I disputed and they dont investigate. They always believe the perpetrators.

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