BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Carvana is advertising Car insurance to me the CONSUMER which is a violation of federal law 15 USC 1605 ( c ) Property damage and liability insurance premiums included in finance charge. ( C ) Charges or premiums for insurance, written in connection with any consumer credit transaction, shall be included in the finance charge. & asking me to provide insurance separate. Carvana is also asking for a downpayment federal law said in 12 CFR 226.4 & 15 USC 1605 ( a ) It does not include any charge of a type payable in a comparable cash transaction. ALSO 15 U.S. Code 1662 - Advertising of downpayments and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit. & 15 USC 1605 ( 1 ) ( 2 ) ( 3 ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I pay all my Bills with XXXX Bill Pay on a monthly basis ; I was not behind or late on any payments. I send a designated amount each month, over, the minimum payment and I check the accounts each month. 

My Account was 30 % below my Credit Limit. 

Synchrony Bank / Pep Boys closed my account down after they initiated a Not Authorized Credit Check on me and of my Account. I was still paying on about XXXX XXXX ( {$300.00} ) dollars of charges. 

Periodically, I use my Pep Boys account to purchase sets of tires or other high cost automotive services. 

Although they Initiated an Unauthorized Credit Check of my account, my account was active and current ; but, they closed it Although, they closed the account, I still continued to pay the monthly payments to pay the account off. 

I have my XXXX Bill Payment records to prove it. 

They show it as a charge off ; this is false, I was paying consistently and on time. 

I have been cleaning up my Credit Report and paying down all of my debt. When Synchrony Bank closed my account ; it resulted in a NEGATIVE Impact on my Credit. I was current with no late payments. 

I filed a complaint with the Pep Boys, Synchrony Bank and the Credit Bureau ; nothing was ever done by the two companies. 

They ignored my complaint of closing the account and NEGATIVELY IMPACTING my Credit Report with the Credit Agencies. 

This is not fair or morally right. 

They are ruining my established credit, by canceling my long term account, they are showing a charge off, or a pay off, and withdrawing my established Credit Limit of {$1200.00} - which immediately impacts my credit score, by reducing {$1200.00} in available credit.

This results in showing a higher debt to credit ratio, than the reduced Debt to Credit Ratio that I had established. 

The final result, is a bad credit score and no way to repair the credit report. Then all of the companies, are allowed to charge 'higher interest rates ', for any credit awarded, for any new accounts. 

This is a vicious, subtle process, the credit bureaus intentionally ; don't respond or respond saying they can't do anything to help. 

The train is driven by all of the UNAUTHORIZED or RANDOM CREDIT CHECKS the Companies randomly pull on CONSUMERS - WITHOUT - CONSUMERS KNOWLEDGE.

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 2021-01-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX - -purchased new refrigerator from Best Buy for {$2300.00}. Best Buy offered me {$200.00} to open credit card and purchase new refrigerator using card that is backed by Citibank. 
Received new card and activated on XX/XX/XXXX - registered online to set up e-statements. Notice there as an additional charge $ {$1.00} from some parking garage in another language charged to card/account on XX/XX/XXXX. Called number on card to report. They mentioned that there was another charge in the amount of {$95.00} from XXXX XXXX XXXX and asked if i made that purchase. I told them I did not and again, reminded them that I just received the card and activated it. They asked me multiple times if I made this charge or if anyone with access in my household made these charges and the answer is no. I reminded them again that I just received the card/activated. They opened investigation and said it would take 7-10 days for full investigation. When I looked at the account the following day, the charges were made in XXXX. I live in Pennsylvania. 
I called company again on XX/XX/XXXX because there was a notification online that there was an issue with my account. When I called, they had trouble verifying me because I wouldn't provide my social security number and my cell phone was only added to my account the other day. They finally verified me by calling my home number and the issue was just that my card was closed and a new one was on the way and the investigation is still pending. 
Somewhere along the line, my information was comprised between my initial purchase and my card being sent to me.

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 2023-08-18
Company: EQUIFAX, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal said they were reviewing me it would take 24 hrs ok then finally released my irs XXXX dol stimulas money then I tried putting it on my cars and it got denied now they said I was being reviewed again it's been days and still got my money in hold I've sent them my drivers license government documents proof of a address and still haven't gotten it I'm gon na be homeless no food my dogs are starving please help me!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit ReportingAct, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. XXXX and TransUnion have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2022-09-13
Company: Experian Information Solutions Inc.
State: MO
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:
From XX/XX/XXXX to XX/XX/XXXX, the Credit Bureaus have done their best at ignoring my requests for the correction of the disputed accounts on my Credit File. The disputed account have been reporting erroneous information which caused for my Credit File to be damaged. I took my time to review my Credit File and noted the following : a ) there is an account reporting to have late payments when in fact I did not, I was never late in paying ; b ) there are charge off account reporting balance even though charge off account should be reporting XXXX balance ; c ) there are public information reporting even though I never filed for bankruptcy ; and d ) there are accounts reporting even though some of the accounts were already removed from the other Bureaus. I am requesting that the Credit Bureaus correct the following accounts from my Credit File by either updating the payment status or completely deleted from my Credit File : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : 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 explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: SD
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:
For past few months, all 3 credit bureaus have been subtracting points and give no reason, other than a generic message for all. 
I get points deducted for a hard inquiry and then I get more points deducted because I have more inquiries than I did the previous month BECAUSE of that inquiry ... that makes no sense. 
I pay off loans, leases and CC balances and lose points. 
Points have just randomly been taken. 
My wife recently had XXXX points subtracted for 1 hard inquiry and she has new credit... that disgusting. 
Recently they took XXXX points from her for zero reason, shes an authorized user on 1 of my CC 's which has held a XXXX balance and XXXX points just taken out of nowhere. 
Stop funding the credit bureaus with our tax dollars, they're in bed with lenders and screwing people over.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account name : XXXX XXXX  Account number : XXXX I requested a thorough re-investigation on XXXX XXXX via certified mail for all 3 credit bureaus. This account is mine. My wife opened it up in XX/XX/XXXX as suggested when we were applying for a mortgage. I am only an authorized user. I did request that all dates, balances, numbers, payment history, etc. be verified and updated from all 3 bureaus, but there were inaccuracies still found on the new credit report for XXXX XXXX, XXXX. A few being that XXXX shows absolutely no data on the report, only on payment history, which are violations automatically. Balances, Date last reported, High credit, Credit limit, and all are not being reported the same from each bureau, which makes every line a violation according to FCRA. The account is paid in full by due date every month since weve had it, but XX/XX/XXXX and XX/XX/XXXX is not showing any data for it. Not only that, but my wifes credit report that was pulled also on both dates ( XXXX XXXX and XXXX XXXX ) is showing differently than whats reported on my account for XXXX XXXX 

Im not asking that the account be deleted, just corrected, and monetary relief for the violations. It seems small, but because of credit issues, I no longer have a home for me and my family. I was denied housing because of all the inaccuracies on my credit history. Its been well over 30 days now, and the latter credit report is worse than the previous credit report. 

Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian )

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 2023-03-04
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was trying to buy a car & and I checked my credit and it was a collection on it saying I owed XXXX XXXX That was back in 2018 and I just recently called they said they are a 3rd party lender that XXXX gives all information too and such. I didnt sign a contract nor. Did they Loan me any money under the acts of fcra 15 u.s.c 1681

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please REMOVE the accounts completely : 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 non-monetary relief
Consumer complaint received 2021-01-06
Company: AES/PHEAA
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX - XX/XX/XXXX credit report shows FedLoans twice for the same student loan accounts. One listed for $ XXXX the other for $ XXXX, with XX/XX/XXXX stating I have $ XXXX in student loan debt. I have $ XXXX per the Dept of Education and FedLoans. 
Same day I contacted my acct rep with FedLoans, he stated one will fall off give it a month. 
Same day I filed a dispute with XX/XX/XXXX on the $ XXXX, denied it. Verified with the Dept of Education no one called or placed a verification request for total amount of distributed student loans.The person handling the disputes states consumer doesnt agree with FFCRA. Never mentioned FFCRA as I have no issue with 0 % interest yet but yet now I owe more money since XXXX. FedLoans is charging me {$50.00} a month to service my {$0.00} payment plan, yet my interest went up when it should be 0 % from XX/XX/XXXX onward through I believe XX/XX/XXXX. 

XX/XX/XXXX - Both the $ XXXX and $ XXXX student loans are still showing on my XX/XX/XXXX Credit Report. Placed a dispute with XX/XX/XXXX again, this time under the $ XXXX, sent in documentation to include a print out of my last FedLoan statement and a screen shot of the owed amount per the National Student Loan Database, and the Dept of Education with explanation that they are showing the same accounts with two different amounts combining them for total student debt of $ XXXX which is incorrect. 

I send an email to my account rep at FedLoan Servicing he calls me back from the East to West Coast, XX/XX/XXXX at XXXXXX/XX/XXXXXX/XX/XXXX, to assist me. Basically said FedLoans can not speak to XX/XX/XXXXand that yes it is wrong on theXX/XX/XXXX credit report as I sent him a screen shot. He suggested what I had already done that is to dispute it. 

XX/XX/XXXX - I called XX/XX/XXXX they said no I have the debt of $ XXXX, and opened another dispute on-top of a dispute. They gave no information on how they verify my student loans and refused to acknowledge that the same accounts are listed twice under the same account number ( s ). I advised it is impossible to take Federal Loans out for an XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX - pulled my XX/XX/XXXX and XX/XX/XXXX credit reports to confirm they are reporting correctly of $ XXXX, sent info to XX/XX/XXXX and updated FedLoans. 

XX/XX/XXXX - XX/XX/XXXX dispute remains unchanged, stated they spoke with the student loan servicer and that the information is correct. Problem is they are verifying one account because you can not combined the two open student loans together, not resolving that these are listed twice. 
Filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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