BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-19
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have contacted Lexis Nexis for a full file disclosure by phone, email, and by mail over 60 days ago. Lexis Nexis has not complied with my request, nor has Lexis Nexis complied with my request to place a security freeze on my Lexis Nexis Report, or opt out request.

Lexis Nexis is intentionally ignoring my request for which I'm entitled to a full file disclosure of information contained in Lexis Nexis database containing my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In 2015 my XXXX that was financed through XXXX XXXX XXXX had an engine problem. This was supposed to be covered under my warranty however for weeks we continued to get the run around and were without our Jeep for over 5 weeks. XXXX who also handled the warranty stated it was user fault and would not cover the repair. The engine was clearly faulty as we only held the XXXX for less than 2 years. We appealed and during that time the XXXX was taken as repoed from the dealer where the XXXX was at waiting on word from the appeal for repairs. After it was denied again we could not get it back. No letter of intent to sell was sent, no letter of intent to repo was sent and the company was well aware of what was going on as their warranty department was handling the claim. The loan still reports on my credit with a higher balance than what we owed when the XXXX was taken how is that even possible to owe more? No deficiency balance fees were added to balance and it is ruining my credit still till this day. The XXXX was sold clearly but yet my balance still reports as higher than when I held the vehicle. This was a gross mishandling of fair credit acts and reporting. I want this removed from all 3 credit reporting agencys

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: AL
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:
RE : complaint # XXXX XXXX for XXXX XXXX for Experian This complaint was made early in XXXX of XXXX Both " investigations '' have been completed and there has been NO CHANGE made to my credit report. 

Somewhere there has been a MAJOR COMMUNICATION ERROR with this govt. agency, a major credit reporting bureau, and the fact finders that have been employed to collect data. 

I filed bankruptcy with my ex-husband in XXXX. I acknowledge that. I have never disputed that!!!!!!! 

However, Experian has that 1 bankruptcy reported 2 times. This is affecting my credit and creditworthiness!!!!! Experian will not remove the duplicate item. They say that XXXX is reporting it, that they are responsible for correcting this error. 

XXXX says that I filed bankruptcy in XXXX with my ex husband, and will not change the reporting. 

CFPB is relying on the " investigations '' of these companies to resolve the original complaint. 

I am complaining today, XX/XX/XXXX, that these companies are not fixing my credit report. This is my second complaint. 

Please remedy this. XXXX : I have 1 bankruptcy filed with my ex-husband in XXXX. Experian has this reported as 2 bankruptcies in XXXX. I want the XXXX public record removed from my Experian credit report. NOT THE ORIGINAL, JUST THE DUPLICATE. 
I do not care who has to do what to get it done, I just want it done. I have filed, in total, 3 disputes with Experian, 1 dispute with XXXX, and now XXXX complaints with CFPB. Why is this not sufficient?

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 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a pre approval offer in the mail. I responded to the offer by applying and was approved for {$3000.00}. The card was issued and I used the card to purchase a book for school in the amount of {$200.00}. After the purchase I was notified that the account was suspended or restricted. When I contacted Capital One I was told I would need to identify myself. I did so by providing my social security card, driver license and passport after initially being told the driver license didnt pass and they told me my account was still restricted. I have checking and savings accounts with Capital One for over 10 years, from XXXX and do not understand how an account can be labeled as fraudulent and still be listed on my profile for my to access. How the same identification I use for the other accounts is acceptable but not for the credit card. How can an account Im responsible for is labeled as not my account. When trying to resolve this matter Capital One position has been held at " we cant do anything other than accept payments due to the restriction '' I received an offer to settle the account, when I followed up to accept the offer I was told by another employee that because the account is restricted its nothing that can be done. The interest rate is different from the offer received and responded to as well. They refuse to help and when I ask for someone who can help I am told they dont accept customers calls. They will not confirm anything in writing, will not provide contact information for a department who can assist. And refuse to send me the transcripts of my recorded calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: AES/PHEAA
State: MN
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:
I was denied loan forgiveness under the TEPSLF stating I had not made enough qualifying payments from a recent letter dated XX/XX/XXXX. I had XXXX on XX/XX/XXXX, and still have XXXX as of XX/XX/XXXX. I have submitted all my Public Service Loan Forgiveness Certifications forms from my employer, and yet they said they have not had time to update my payments, which disqualifies me for student loan forgiveness. They can not give me a time line as when this will be updated and laughed at my request. I have been through this before with them, and NOTHING HAPPPENS. I am so upset at the lack of cooperation, honesty, horrible communication, and lack of respect. My loans are to be forgiven this XX/XX/XXXX. I have never missed a payment and have followed all the rules regarding PSLF, it makes me sick at how this company can be so dishonest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: SYNCHRONY FINANCIAL
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:
In accordance with the fair reporting act this creditor has violated my rights, under 1581 section 602 states I have the right to privacy.Section 1581 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15usc166B a credit can not treat a payment on a credit card under an open consumer credit plan 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 2020-03-29
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX i got an alert from XXXX that Diversified Adjustments had put a collection account on my credit report. By law, they must notify me in writing of the debt. I have 30 days to review the information they are claiming, and dispute it if needed before adding it on my credit report. They violated my rights under the fair credit reporting act! They never sent me any notification of the debt, instead, they put it on my credit report without sending me any information of the debt! Also, i do not owe XXXX  anything close to that amount. This account was for a phone line that was opened in XXXX, and closed in XX/XX/XXXX. This was for a flex lease and the phone was returned back to XXXX. This phone was never properly credited back to me. Any amounts owed was paid! This is unlawful! Also, they are trying to reage this debt by putting the wrong original delinquency date! By law, they must keep the original date of delinquency of the original debt no matter what! This must remain the same no matter who owns the debt! I have enclosed a copy of this information! My services had ended in XX/XX/XXXX, and the date of first delinquency was in XX/XX/XXXX, the final bill was printed in XXXXThey are trying to add on a year from the original delinquency date! I have contacted Diversified by mail, and have not heard anything back from them. They have a number of complaints on the XXXX  Website for fraudulent activity over debts! I have rights and have a right to dispute any information that i believ to be inaccurate and they violated my rights by not sending me any notification and adding it on my credit report before i had a chance to review the information! The date of first delinquency date is inaccurate!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
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 am writing to bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, which I have identified on my recent credit report. 

The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion of the following accounts : XXXX XXXX XXXX, ACCOUNT # XXXX Furthermore, the FCRA emphasizes the importance of accuracy and fairness in credit reporting. It acknowledges that the banking system relies on fair and accurate credit reporting, and it underscores the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy ( 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 ( b ) ).

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 2023-08-15
Company: EQUIFAX, INC.
State: OH
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 A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: The CMI Group, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my credit file and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 


XXXX XXXX XXXX XXXX Florida XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: BAM Management US Holdings Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
binance us owes me XXXX dollars and wont give it to me they said they would pay me by the XXXX and to call if i hsvent got it so i called and they refuse to help can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX  XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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:
This is my multiple endeavor 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

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 2019-10-19
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI collection company has placed a collection on my credit reports that I do not owe. The original fault belongs to XXXX XXXX XXXX. The amount is for {$240.00} and originated from a false claim for monies due in XXXX, XXXX but was placed on my credit report on XX/XX/XXXX. In XXXX of XXXX, we switched our cellular service from XXXX XXXX XXXX to XXXX. I paid the amount due at that time and was told the account was closed and that there would be no more charges due. A month later I received a bill from XXXX XXXX XXXX for another month of service. I called them and they agreed that they saw notes where I had closed my account and paid in full and it should not have had charges after that. The representative told me she couldnt remove the charges but would have their billing dept remove it. A month later we got another bill for the same amount. I called again. This rep also told me it wasnt owed but it would have to be sent to the billing department to have it removed and that it would be no problem. I never received another bill and assumed it was taken care of. Two years later they addd it as a collection, via AFNI, on my credit report. I do not owe this bill. I believe they were angry I switched to XXXX and charges out another month and just expected people will pay it to get out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Experian Information Solutions 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:
About 6 months ago now I try accessing my credit report online through Experian services. My credit report was blank, I could not see any of my accounts or credit score. So contacted Experian office out in XXXX XXXX California When on the phone with them I explain the problem and told them neither my self or anyone else was able to pull my credit report. I've gone through different website to pull my own report but had no luck, I've called them numerous times and every time i speak to someone they tell me they have to open a ticket for a different group in there department are able to resolve his matter. Yet in the end I don't get any results from them.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/ I wrote Experian a dispute letter in order to have a payment history on several accounts verified. The accounts are XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, and XXXX XXXX XXXX Account Number : XXXX. Please refer to the attached supporting documents for more information as to why I am disputing them. I never received an answer from them. I gave them enough time to complete an investigation and respond, but I never heard anything. Not even a letter or notification that stated my dispute was received. So on XX/XX/ I wrote them again to once again look into the late payments they are reporting inaccurately on my credit report. Well it is now XX/XX/, and I have not received any type of response from them once again.

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