BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-30
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I got the new XXXX  XXXX car from the XXXX XXXX dealership on XX/XX/2020. I signed the lease agreement/contract stating payment of {$490.00} ( including sales tax ). the dealership had my driving license data and picture of my DL. They made a mistake and typed my zip code as XXXX, instead of XXXX. 

After a few days later I got a XXXX package from the same XXXX  dealership asking me to sign a new contract as they messed up the sales tax calculation on their part and zip code XXXX has higher sales tax than XXXX. So basically my payment should have been reduced not increased., but XXXX increased my payment. I have this newly updated contract with the corrected zip code and I submitted that to VW credit company. They are not willing to adjust my payment. I tried reaching to everyone in XXXX  customer care/ XXXX  XXXX Dealership but they failed to resolve this issue or not willing to honor my new contract which I have in black & white and signed. 

I have attached a copy of the contract for your review and take action against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have many synchrony bank issued cards and they closed every 1 of them..I have always paid on time and more than minimum due. I have good credit and decent scores and I disagree with them doing this to me. I want my cards opened back up because this is unfair to a credit worthy consumer and I also make over 100k yr and have no troubles paying my accounts..none of them even with other creditors..I want something done to make this right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: MARINER FINANCE, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX fXXXX XXXX XXXX ALL unfamiliar and unauthorized by me..I have made attempts to call these establishments but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
U.S. Bank ( parent company : U.S. Bancorp ) is not responding to why my loan is delayed and not providing any schedule information. 

I applied to U.S. Bank for construction loan ( construction-to-mortgage ) and received pre-approval and approval - but then the loan was not issued. I am waiting .. waiting, but the loan never came. I've been approved- but have no loan. 

When you ask your banker or mortgage officer, they dont know what to say.

When searching for the possible reasons for the banks behavior, you will immediately find that it is related to the subject of Mortgage Forbearance, which is a program offered to people who were struggling to make their mortgage payments during the Covid-19 Pandemic. They were allowed to delay their mortgage payments, some up to a year and others even up to 18 months, such that this obviously short-changed the banks revenue. Lack of mortgage payments to lending institutes means lack of replenished funds for new mortgages. 

But this all follows a schedule. It is even documented by HUD ( attachment ) how the Mortgage Forbearance periods will take place, with end of the forbearance period ending six months after the Covid-19 National Emergency ends. During XX/XX/XXXX, the Covid-19 pandemic was declared over ( President Biden ) . But the forbearance periods are actually staggered, such that many forbearance periods have ended months ago. Anyones new mortgage loan can be considered in the here and now, with the latest possible postponement to XX/XX/XXXX. I am applied with a construction loan which is typically one-third the amount of a regular mortgage. Certainly this follows a different schedule because if it is one-third the amount of a regular mortgage, the time flow could be rightly divided by three ( one-third the delay time ). 

But U.S. Bank is apparently not saying anything about the forbearance issue to anybody - not to customers nor informing bank managers nor loan officers. All you get is a blank stare from your banker. 

Why is everybody so left-in-the-dark and not informed why your loan is not being issued? 

This might be the reason : During the pandemic period, instead of delaying new loans- they loaned out. Instead of stating a normal delay to new mortgage customers, they loaned at the time of their request ( without knowing the consequences ). Right now the bank is so strained with forbearance periods and with the new loans they issued right in the middle of the forbearance periods. No wonder they are speechless ( stunned ). 

Therefore, Instead of a fair delay-schedule to all new mortgage customers, some people have their mortgage loans right now, while others will be delayed who knows how long?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, 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:
Im baffled at this moment. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint XXXX times already. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully this is for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Nelnet, Inc.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have reviewed my credit reports and notice that my student loans accounts that I signed for my daughter education were being reported duplicate despite the XXXX XXXX XXXX XXXX program has made them all current under a new account numbers and Nelnet is still reporting the old accounts on my credit reports as late XXXX days etc. I sent letters asking them why are you reporting the same account XXXX late and the other current and they have not corrected the problem. Instead I received a letter stating that they believe that I'm using a credit repair firm. Documentation provided etc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified by XXXX of action on my account for a Nelnet loan disbursed to a recipient in XXXXXXXX XXXX dispersed on XX/XX/XXXX of XXXX for {$3100.00}. I contacted the company, the school XXXX XXXX XXXX XXXX XXXX. I filed a police report with XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and contacted XXXX as well. In addition to this incident, I have been indentated with identity theft and fraud and scammed since XXXX. I have submitted FBI tips and I have also submitted XXXX XXXX tips. Including XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, employers email addresses and employers email, employers XXXX account used for creating account access using my name and identity. Phishing emails and messages and texts and DVR eavesdropping and cellphone hacks. XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX cyberattacking and all kinds of calls from different places. Also my taxes were filed in an attempt to set a payment for the XXXX offset by the XXXX returns and my taxes were not processed. I went to a tax service in XXXX XXXX and they wanted to charge me more than the tax return itself and more the amount for the entire thing. Very odd.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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:
In accordance with the three credit reporting acts, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy15 U.S. Code 1681s2 -. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B ( A ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late foranypurpose.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
NOTICE OF IDENTITY THEFT. THESE ALLEGED ACCOUNTS DO NOT BELONG TO ME. BLOCK and DELETE IMMEDIATELY FROM MY CREDIT REPORT. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. 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 2023-11-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
Equifax will not remove unauthorized Hard Inquiries listed below : Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Equifax and they would not remove the unauthorized Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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:
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Experian Credit Bureau. I sent letters to Experian Credit Bureau dated XX/XX/XXXX. As I reviewed my updated credit report for Experian, the inaccurate information about my accounts is still on my reports. Experian Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX  XXXX Opened Date XX/XX/XXXX Balance {$1200.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$320.00}

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 2022-02-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have requested on several occasions to remove and or delete the incorrect & inaccurate information on my credit report which I am needing immediately removed. I am listing those items for your convenience below. 
EXPERIAN - XXXX XXXX XXXX EXPERIAN - XXXX XXXX EXPERIAN - XXXX XXXX XXXX EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN - XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX EXPERIAN - XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, Citi bank decided to close 4 of my credit cards accounts. Citi XXXX card ending with XXXX, with a credit limit of {$74000.00} and Citi XXXX preferred card ending with XXXX with a limit of {$25000.00}. My Best buy Credit card with a limit of {$38000.00} and Macy Card with a limit of {$15000.00} Approximately. I have been with Citi bank on average of 7 years. I Haven't committed any fraud or had issues pertaining to fraud with Citi bank. I have always paid my bills on time as expected and have never had any type of issues with Citi Bank whatsoever. Why my account was closed is still a sad mystery to me and I did try to reach out to Citi bank to ask why my account was closed after years of many scarifies and struggling to build a solid credit history and foundation. I called at different occasions ; nobody was willing to give me a reason why my accounts were closed, because am quite sure they had none. After weeks of relentless efforts, I got through to someone who told me to write a letter to find out why my account was closed. I wrote a letter asking why my account were closed, only to receive a letter that was vague and had no specifics. This is a big slap on my face, you are told to do everything right, and only to receive this type of slap in the face for doing the right things. This is tyranny. I don't know who else to turn to for help. They haven't given any specific reasons, and there is no just cause for taking adverse action against me, and I feel discriminated against. Under the Equal Opportunity Credit Act, a bank can't discriminate against you based on race, color, religion, nationality, gender, age, or good faith exercise of any rights. Their actions obviously are very discriminating to me, because the bank is very quick to give reasons in their letters while certain actions are taken. In a case where the bank writes a letter and can't give you specifics, or specific reasons why certain actions are taken, it's obvious this is discriminatory action taken against me. To make matters worse, I do not even know if a can open a new credit card with Citi bank, if after how many years of relentless efforts from me and they discriminate against me, how can I guarantee that this same type of discrimination wouldn't happen again 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 explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The information concerning XXXX is in accurate, and would like it removed. I have reached out to the company multiple times with no proof. Bill was paid, and equipment was returned. They are taking advantage of people. I have been disputing this for the last XXXX years. It comes off, then comes back on my 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 2023-11-27
Company: EQUIFAX, INC.
State: LA
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:
Improper reporting on my report never requested credit with these companies. 

XXXX XXXX  XXXX , XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021, I requested a Debt validation and I received a response on XX/XX/2021, claiming that the debt was verified. In accordance with USC 1692g, congress mentions the 5 points that a debt collector must provide to the consumer 1. The amount of debt was on furnished 2. The name of the creditor to whom the debt is owed ; Not Furnished 3.

4.

5. 
Last but not least I have never signed a contract with the debt collector.

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 2022-11-09
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was sued by Midland Credit Management in XXXX of XXXX, they alleged that I owed a debt that they purchased from XXXX XXXX XXXX. 
I sent notice to court with intent to defend, on the court date Midlands  attorney XXXX XXXX had me meet prior to the trial, where I was shown documents of the alleged debt and convinced to make a settlement or face trial ending with a judgement of twice the amount. Midland had prepared the records and hired the services of XXXX XXXX, I was not convinced that the debt belonged to me but under the pressure paid the settlement amount and signed the document presented to me by XXXX XXXX. 
Court document of settlement is attached as well as USPS records of delivery to confirm receipt of payment and cancelled check showing confirmed payment as per terms of the settlement. 
Per the advice of legal counsel after the settlement a letter was attached with the payment, stating that Midland  Credit Management would show the account paid in full and remove all negative information from my credit reports. One year later and Midland Credit Management is reporting that I still have an open account and balance. Attached is a copy of my credit record with XXXX XXXX showing paid as agreed. Midland  Credit Management sued and fraudulently collected on an account and will not remove or stop reporting a balance to the credit reporting agencies. It is clear that Midland Credit Management is in violation of FCRA rules. If there is no resolution I have attorneys prepared to file suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/, I bought appliances at Lowes in XXXX XXXX worth almost {$5000.00}. I was told by the cashier that if I opened a credit card I was going to get 20 % off plus a discount for the new card. 
After I spent almost 2 hours picking appliances and applying for a new credit card i was ready to check out, but Lowe 's give me only {$100.00} discount. I asked to talk to the manager and I talked to her, too. but they are all trained to twist the words of their offer, which was sent to my e-mail. 
I filed a complaint with XXXX, and Lowe 's offered a {$50.00} gift card? 
THEY CHECKED MY CREDIT SCORE AND MADE ME OPEN A NEW CREDIT CARD ON FALSE PROMISE, very sad.

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