BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
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:
I have loan with XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Equifax and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: Account information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 non-monetary relief
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my 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 2022-12-31
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After sending multiple letters to the credit bureau and to the creditors listed below and filing several complaints. Transunion is still reporting these inquiries on my credit report from the following places. 
1.XXXX XXXX-XX/XX/2018 2.XXXX XXXX-XX/XX/2018 3. XXXX XXXX-XX/XX/2018 I have contacted each of the companies as directed by the credit bureaus and was directed back to transunion in which they have failed to provide any signatures or contracts or any proof of evidence that what they are reporting is accurate and or that it belongs to me and instead of removing and ignoring my disputes they send me the letter that I am attaching to this complaint. Also transuion has violated my rights and refused to even mark these inquires on my report as disputed. This is my 4th letter that I have now send them certified with postal tracking number XXXX XXXX XXXX XXXX XXXX. 
It is clear that the ALLEGATIONS IS UNPROVEN In all aspects of its reporting and I requested that these inquiries be deleted 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 explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2018-04-26
Company: CITIBANK, N.A.
State: HI
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:
XXXX  report says : CBNA on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them. 



XXXX report says : XXXX XXXX XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

CBNA XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

CBNA XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.

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 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
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:
I submitted a letter to the Credit Bureaus to correct these erroneous 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2023-03-13
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
I put 50 % down on a {$21000.00} vehicle. It was my first purchase and was instructed that I only owed {$18000.00} after dealership fees. So far I paid {$20000.00} on my vehicle in total with the down payment. I am told that I still owe over {$32000.00}. I was told that I had a balance on top of a finance charge. I sought out advice from a third party to explain my contract to me and it wasn't until after my car was repossessed that I got a clear understanding of what it is. My car is on it's 3rd repossession. The first repossession, I had to travel 2 hours at 9 months pregnant to retrieve the vehicle. When I retrieved the vehicle my right back wheel arch panel was missing. After the second repossession all of my car 's interior panels were removed, keys deactivated, and damaged caused on the same exact side. Prior to the third repossession a representative told me as long as I made active payments, even if it wasn't the full amount my car wouldn't go into repossession. Four days later I took my infant from the vehicle and as I was walking into the building, a head hunter hooked my vehicle to his pick up stating that my car was on an app that said my car was " marked with a bounty. '' I called credit acceptance immediately and was told if I paid a about {$600.00} that they would stop the repossession. I didn't have it because I was starting a job days later. I don't have the exact dates and times because I didn't keep a record, I didn't know I had to. My car is set to be put on the auction block and I'm not sure who can help. I saved 4 years for that down payment and budgeted accordingly, I can't lose this vehicle.

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 2021-06-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX I noticed I had an unexpected XXXX XXXX XXXX loan in my account in the amount of XXXX " as the school field. '' As of XX/XX/XXXX, that was still not fixed. I received verification from XXXXXXXX XXXX XXXX XXXX financial aid director and admissions, " XXXX did NOT borrow money from XXXX XXXXXXXX XXXX '' Those were loans XXXX through XXXX. I downloaded and, indeed and in fact, submitted the forbearance form for ADMINISTRATIVE FORBEARANCE, because my loans were not correct in my web account to view when logging in. I have image snapshots of my legal statement uploaded into the Navient system for false loans from XX/XX/XXXX at XXXX for validation. Now, I have spent since XX/XX/XXXX trying to call and tell Navient I uploaded the Forbearance form into the system, but they deny receiving a single document from me. I received an email last week saying " I am not responding '' and today I found out, UNEXPECTEDLY on XX/XX/XXXX, I am to pay on all my loans by XX/XX/XXXX. Nobody ever informed me by email of the terms of the loan changes. As of XX/XX/XXXX, they are still denying receiving my request for forbearance. On the forbearance form, I did inform them I was unemployed as a XXXX woman. I have image snapshots of the form being uploaded into the system in XX/XX/XXXX. I have image snapshots of everything I did to help manage my loans being unemployed. The emotional stress of the deceit and lies from Navient has become overbearing. I also have image snapshots from the XXXX Government site granting me XXXX until XX/XX/XXXX, however, Navient is not honoring my request. I also have emails from Navient stating, they did receive the Forbearance form in XX/XX/XXXX, but again, Navient is denying that I am responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
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:
SINCE XXXX OF 2023 I HAVE BEEN DISPUTING SEVERAL INACCURACIES ON MY CREDIT REPORT I HAVE BEEN GAINING NO PROGRESS JUST THE SAME EXACT GENERIC RESPONSE " ITEM VERIFIED '' I HAVE ASKED FOR WELL OVER 90 DAYS FOR THE METHOD OF VERIFICATION FOR THESE BLATANT ERRORS ON MY REPORT TO NO REPLY THIS IS COMPLETELY UNACCEPTABLE ATTACHED IS THE MOST RECENT DISPUTE LETTERS AND COVER LETTERS

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 2021-06-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Im Disputing the original loan amount - Experian report {$7600.00} XXXX XXXX report {$12000.00} im disputing incomplete payment history from XXXX XXXX XXXX this account been open since XX/XX/XXXX and the first payment history was recorded in XX/XX/XXXX im disputing missing notice of dispute from XX/XX/XXXX im disputing the past due of the account Experian report its {$7900.00} XXXX XXXX report {$8800.00}

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 2021-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank Of America is illegally attempting to foreclose on my XXXX  primary homestead residence outside the legal statute of limitations for the state of XXXX. The initial foreclosure date was in XXXX of XXXX. The case was dismissed in XXXX of XXXX with no foreclosure sale. The appellate foreclosure case was filed outside the statute of limitations for the state of XXXX  in XXXX of XXXX. The appellate foreclosure case was terminated in XXXX of XXXX with no foreclosure sale. 


Bank Of America has illegally foreclosed on my XXXX  property outside the legal statute of limitations for the state of XXXX. My XXXX  property was released from my bankruptcy in XXXX of XXXX. Bank of America illegally foreclosed on my XXXX  property in XXXX of 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 2023-11-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I sent my notice to rescind a car loan I entered into with XXXX Nissan XXXX on XX/XX/XXXX through USPS certified mail after coming across some information given to me from my attorney. In the TILA ( Truth In Lending Act ) I noticed that the dealership did not even mention the TILA to me and my rights available to me in TILA act. I also was told by the dealer that the financial institution that let me extend a line of credit through there establishment REQUIRED me to put down a downpayment for THEM ( FINANCIAL INSTITUTION ) would approve me to leave with the car. That was not the case, the car was paid for in full by the line of credit i extended and the XXXX $ i put down was my absolute last and i paid it because i believed the dealership was being 100 % with me. There are plenty of errors in the contract on top of no disclosure and aggressive sales tactics to get you to sign the contracts. My financed amount doesn't even add up right in my itemized financed amounts. I have yet to receive my money and or property that I have given in connection with this transaction. 

1026.23 ( b ) ( 2 ) ( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: RI
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:
violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account number : # XXXX 15 U.S C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 any consumer reporting agency if the

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 2023-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the accuracy of several accounts listed on my credit report, which I believe to be inaccurate and damaging to my creditworthiness. The following accounts were reported erroneously, using someone else 's information : DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX , DEPT OF EDUCATIONXXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. I request the immediate removal of these inaccurate accounts from my credit file, as they do not belong to me and are adversely affecting my credit profile. I kindly ask for your prompt attention to this matter and expect the completion of your investigation within the statutory time frame. Your cooperation in rectifying these inaccuracies is crucial to ensuring the fairness and accuracy of my credit 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 2021-05-04
Company: SYNCHRONY FINANCIAL
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:
I have a credit inquiry request from different Syncb entities throughout an extended period of time. I do not have any knowledge of this credit inquiry and would like it removed from my credit bureaus. It is severely damaging my score. I have included a list of all the inquiries below with dates. Please remove ASAP as I did not authorize these pulls. 

Syncb/amazon -- XX/XX/XXXX Syncb/sams -- XX/XX/XXXX syncb -- XX/XX/XXXX syncb/sams -- XX/XX/XXXX syncb/sams -- XX/XX/XXXX syncb/sams -- XX/XX/XXXX syncb/sams -- XX/XX/XXXX syncb/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