BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Citi bank originally in XX/XX/2018 to tell them to cancel my account when they lowered my credit limit over unrelated information. XXXX wouldn't give me the 30 days dispute I was allowed so I told her cancel send me my bill. I was never sent bill. I call back to tell them they sent the wrong amount with added fees and late charges that I am not due because they did not send me the bill as I asked when originally requested when closed. But they kept calling and calling all of XXXX and XXXX. I called two agents in XXXX and XXXX to resolve this. Finally today after I requested they cease and desist back in XXXX and the agent corrected the bill over the phone and placed me on do not call list I got another call today by Citi bank again and still never received the correct bill in mail as discussed. I am tired of being harassed. and Not being sent the corrected bill to let me pay by mail since my account is closed? We agreed that the amount was XXXX after deleting all the extra fees and additional lates addendums that they were adding plus percentages that they calculate. but I have been trying to get this bill corrected since XXXX!!! maybe before actually but I know I spoke with minimum 3 reps. and I won't speak to anymore.

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 2023-08-06
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
After filing a dispute on my credit report for an account XXXX and or XXXX XXXX Ive noticed discrepancies being reported on all three credit bureaus this account was settled and paid but shows different balances for each credit bureau for the same 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 2023-04-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This may or may not be the 6th or 7th time I've reached out to have this solution fixed, XXXX XXXX XXXX loan has ruined my life. I am suffering day in and day out because of the incompetence AND LACK OF RESPECT the bureaus have for the law to protect its consumers. they have been pinging me with late payments despite the promises made before to give me extensions due to financial hardship due to covid, I am once again a healthcare worker and this has made me quit my job due to mental health reasons and become suicidal because these bureaus have reposted the illegal and unlawful late payments to my credit report again, They are breaking laws their companies swore to uphold and infringing on my legal rights with impunity. 

BUREAS are reposting late payments that were removed beforehand in previous disputes that I proved right and contradictory on my report. illegally refurnishd them to my credit report, I've never seen such lack of respect for the law and cfpb.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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 was advised to get and review a copy of my credit report.After this review, I noticed the following accounts reporting in error.I believe these errors that were not caused by me may affect my ability to get a loan. I write to you and request these accounts to be in good standing as soon as possible.I appreciate your assistance in advance. 

Account name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : XXXX  XXXX  XXXX name : XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Credit Card Account name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection XXXX name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account type : Collection As you can see it is very important for my credit file to consist of only accurate and verifiable information, with respect to the Fair Credit Reporting Act. Ignoring my letters will not be accepted. I can tell what has been reviewed by the dates of the activity present in your report. I will be anticipating your response and I look forward to viewing my corrected 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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXAccount # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX However, they stated everything was complete and accurate. And in ther stall letter stated that I needed to contact them and use their removal tools... I am getting the run around while trying to ADVOCATE FOR MYSELF saying I am using a XXXX XXXX. also I do not understand everything complete and accurate how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 written instructions 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. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case atttached are a copy of the letters sent out on XXXX to each of the XXXX credit bureaus.

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 2023-08-06
Company: Experian Information Solutions Inc.
State: PA
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX7 , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX  XXXX XXXX XXXX has violated my rights . 

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 written instructions 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Submitted information several times via XXXX, Experian Upload, and directly to Experian through my credit monitoring application. The information was what I was told directly from them that I needed to remove the file. Both XXXX and XXXX have removed the account. My first submission was in XXXX of 2021, then again in XXXX and XXXX. The account in question is a fraudulently opened XXXX account that is now charged off but paid in full.

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 2023-11-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit 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:
XXXX Small charges made to credit card by unknown firm then XXXX $ XXXX charges from same source. I filed a complaint and and asked if there was another name behind the initial the XXXX charges. The bank could not answer that question so they asked me to call the phone # which no one answered so I searched the XXXX # and found it number used by scammers and originated in XXXX. Then another XXXX charges appeared on the credit card and I restated I didn't know any firm by the name charging my credit card. I then received email " Cancellation Notification '' from another source by a different name that stated my subscription status has been recently updated and any ongoing or all future charge have been cancelled as per your request. '' Must have received sample back and notice product wasn't wanted. 

Bank sending payment requests while I sent all the info and no response to certified letter with document and emails telling them they had data /documents to review. I notice on my phone XXXX XXXX XXXX has been calling XXXX times a day but not leaving a message on the answering machine also have received several statement past due notices. In XXXX email I notified the bank I owe nothing but they owe me about {$450.00} to cancel all the charges plus the {$200.00} payment I made while waiting on their response to my correspondence. I consider the bank to be partaking in credit card fraud by not properly investigating the fraud claim and intend to file a XXXX  XXXX with the FBI with a criminal charge complaint of actively participating in a fraud scam. Not enough room to detail the XXXX page letter sent the bank with pages of documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This is in reference to complaint number XXXX that was closed before my problem had been resolved. I received the title, that I had been waiting on since XX/XX/XXXX, from Hyundai Motor Finance but their title department recorded the wrong mileage on the title. So I called them on XX/XX/XXXX, when I finally received the title, to let them know that I now need an affidavit of correction for their error of the mileage. I was told it would take 3 to 5 business days. I have now been waiting XXXX business days and they just told me it is still in process. I have spoken to three or four supervisors and they tell me it's been escalated. But I'm still waiting on the affidavit. In the mean time we have retailed this car to another customer and still can not get Hyundai Motor Finance to resolve this issue. I have been lied to countless times and my issue still has not been resolved. Until I get an affidavit of correction for the mileage on their letterhead this issue is still pending. I paid off the vehicle back on XX/XX/XXXX, received the title XX/XX/XXXX with a mileage error recorded on the title by Hyundai Motor Finance. And we still can not process the sold vehicle because Hyundai Motor Finance can not do the right thing and escalate and resolve this problem. We just need someone to type an affidavit and XXXX  it, that's 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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
there is information on my transUnion and XXXX credit report that has been already removed from my XXXX report. all consumer reporting agencies conduct the same investigation process so these items need to be removed. the fair credit reporting act states that I have a right tom privacy and the only way a consumer report can be furnished is with the consumers written instruction. I never gave any consumer agency any written instructions to furnish my information. also transaction and experience between a consumer and a person making the report are not supposed to be on my report as well. all of this is federal law the consumer report agency have violated several federally portected rights and I need XXXX XXXX removed from all consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys

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 2022-09-27
Company: Experian Information Solutions Inc.
State: NY
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:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: MI
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2023-03-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I can not file any more disputes on inaccurate information. i have a collection account that keeps popping up under different names every other year or so. its the I c systems ( then it will disappear, then reappear ) which is the same as the XXXX XXXX, like they keep reselling information that is incorrect. i want them to stop reporting inaccurate information on my credit report as i have never gotten a call or letter from them but they always appear on my credit report. its not just them its all the ones in the attachment i can not seem to get rid of and keep disputing. the ones in the attachments i can not dispute anymore and have explained my hardships many of times. i have been on medical leave from work since XXXXXXXX and have become a permanently XXXX vet. The thing is Im trying to fix my credit to provide for me and my children and a lot of these accounts need to be removed and not keep reselling information to other companies and a lot of the companies in red need to update their information as well. this applies to all three bureaus. also how come the one dept of education there is only one in red? you can not discharge student loans thru bk. Im working on that since i am 100 percent they will be XXXX hopefully all thru XXXX all Im trying to do is better my situation/credit and I'm getting nowhere. None of my credit reports match at all. And I dont know if XXXX XXXX but Ive been getting denied for a house to buy/rent because of a lot of things on my credit and dont know how to go about getting them to be removed because I am XXXX with XXXX children. I sure hope this reaches the right person. Thank you so much.

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 2023-11-06
Company: CarMax, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a XXXX injury and I have been in XXXX  for the last few months, I contacted Carmax Auto Finance via phone to request a deferement extension on XXXX payments until I am home from the hospital. I spoke to a XXXX Who claimed she was a supervisor. Per XXXX I had To Pay {$360.00} in order to qualify for this deferrment to cover XXXX payment. I Sent my sister into to Carmax to pay {$370.00} XXXX. I called XXXX Back to Verify the payment was received she said yes and she would put in for my 2 month deferement she then advised that I would be back on track and the next payment would be due by XX/XX/XXXX with a XXXX  Day Grace Period. I Had My sister with me on the phone and she wrote down what XXXX Advised me to do so I could qualify for the deferement. On XX/XX/XXXX I got a threatening email that I had to pay for XXXX payment or my car would be repossessed. I specifically explained to XXXX that my daughter drives and needs that car for school she gave me her word the XXXX deferments would be approved. They were not she did not honor what she advised me. I called back spoke to a XXXX and she give me her word she would pull the call I never heard back from her and she left a note on my account that the declined deferement stands. This company is extremely dishonest they promote to call them if you are having a financial hardship and when you do they do not help you. They will not waive any late fees, They will not let you change your due date and they are dishonest when you ask for a deferrement. I offered to fax in Proof that I am under my doctors care treating for a XXXX injury they told me it was not neccesscary. I also advised them that my husband was now deceased and I am now down to XXXX income they do not care. I wanted to bring this information to your attention because they do not honor what they are advising their customers. I trusted XXXX knew what she was doing. I would like them to provide a transcript of the call where XXXX promised me I would get XXXX deferements on the car to help me until I am out of the hospital. A company should honor what their supervisors tell consumers its not right to treat people this way. I explained to this woman in grave detail that I have a permanent XXXX that affects my spine and she was dishonest with me the entire time. She did not even have the decency to call me back and let me know that the deferments were not approved. That is incredibly evil to treat people this way. They offer services they do not provide

Company response to consumer: Closed with non-monetary relief