BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
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: Information belongs to someone else

Complaint:
I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX  XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX ACCOUNT # XXXX Please do not respond with identification verification, this is indeed 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 2023-05-09
Company: LEXISNEXIS
State: MI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX RE : Personal request to ensure that NO INACCURATE DEROGATORY information is reporting on my Consumer Credit Report and that any such information. ESPECIALLY THOSE PREVIOUSLY DELETED by other CRAs, are immediately deleled from my file To Whom This May Concern : It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading or unverified information I received a response from Lexis Nexis stating that the following account could not be verified and it was immediately DELETED from my credit file.

US Bankruptcy was deleted Per the PROCEDURES and laws stated in 15 U.S.C. 16811 and its subsections I have requested that ALL FURNISHERS related to this account and CONSUMER REPORTING AGENCIES in which this item has been dispute bed NOTIFIED of the DELETION of this account due to FAILURE TO PROVE ITS VALIDITY. As stated above. I have requested information be sent to all CRAs and I anticipate that each CRA will follow suit in DELETION OF THE ACCOUNT To Ensure that you receive NOTIFICATION I am including the following attachments to this letter : * My original letter challenging the validity of this account.

* Copy of my dispute response showing that this account has been DELETED from my credit file due to their inability to to FULLY VERIFY and certify the accuracy of this account.

PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this account on my credit file is a violation of my rights. Please DELETE THIS ACCOUNT IMMEDIATELY so we can avoid further potential of a consumer or legal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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:
I need to express my frustration with Hyundai Motor Finance Title Department ( XXXX XXXX XXXX XXXX XXXX CA XXXX ) who are clearly not able to do their job properly. 
I paid off my lease on XX/XX/2022, uploaded the XXXX  statement the same day and have been back-and-forth with XXXX  even up until now in order to have my title released. I have faxed ( XXXX ) and mailed to the title department via priority mail the XXXX form, which was delivered on XX/XX/XXXX ( I have a proof ). No one at XXXX is able to locate that form though XXXX of the special agents ( his name is XXXX XXXX lied to me saying he sees the form and it was uploaded to my account and my title getting released today. When I call back the next day to ask for the tracking number the supervisor told me there is no XXXX form on my account. XXXX clearly lied to me. Every rep I've spoken to gives me different answers. Every phone call I make always ends with " we're going to escalate this with our titles department and put you on highest priority '' and nothing is getting moving. I keep recording everything in order to build a case for a lawsuit if things are not getting done soon. I have filed both XXXX  and CFBP complains, next thing will be getting a lawyer. I have even requested if they are not able to complete the " Lease buy-out '' process from their end I want to get refunded and I will return the car immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my balance of {$460.00} to bring the account current to make my credit available balance to {$1000.00}. This payment was made before the statement date so that it would reflect account paid in full for the XXXX reporting to the credit bureau. I called XXXX  and asked why was my account reported 2 weeks earlier than its suppose to report I was told they dont know and that my score would report around the XXXX or XXXX of XXXX. Its now almost XXXX and my credit report still was not corrected to reflect that account was paid off before my statement date for XXXX. My account should show paid off in full for the XXXX reporting to the credit bureaus. So because they reported my account two weeks later it doesnt show my account with the payment I made.

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 2023-08-23
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: Account information incorrect

Complaint:
According to law 15 usc 1692j section 807. I'm requesting you to validate debt. With my signature, contract date and my social security on file. If, not please delete from 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 2020-07-30
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AssetCare, a collection agency, has recently reported a 6-year old alleged debt for the first time to my credit report ( at the height of the pandemic ). I just recently had another medical debt from this same debt collector - and same exact original creditor - for the same exact amount taken off more than two months ago! In that case, my insurance company had not paid a claim and it was resolved quickly after the insurance company agreed to pay the original creditor. I almost mistook this account for the same account being placed back on my report, but apparently this newest credit report account is for a different hospital. I find this highly suspicious that they purchased a 6-year old debt from the same exact original creditor for a different hospital ( the service dates are 4 years apart ) immediately after they were not able to get the payment they wanted for the first account. 

Additionally, this time, after doing a similar investigation that I did to determine the cause of the first credit report entry, there is no apparent debt! Every single person I have contacted, including the original creditor and the billing dept. at the hospital, has stated that they are not aware of any debt or accounts sent to collections. To the contrary, all stated explicitly that my insurance approved and paid out all claims for the service dates mentioned by the collection agency. I also checked my online account for the insurance company and found the same exact conclusion. All claims are approved for this hospital on the service dates in question. It is extremely unlikely that one entity of this hospital would not have had my insurance information while all others did. I have found no evidence of this either. 

Interestingly, after contacting AssetCare, they do not have any information about this debt. They couldn't or didn't want to give me the original creditor 's phone number and the name of the seller of this debt. I have submitted a formal request for bill itemization in conjunction with this complaint. 

A CFPB agent that I discussed the details of this case over the phone also immediately sensed " red flags '' about the story. This case and AssetCare LLC should be investigated for possible unlawful tactics related to seeking and buying debts that are highly questionable simply because they have recently encountered and compiled information on a person. One should not have to fight to clear harmful entries on a credit report because of intentional credit report " mistakes '' a collection agency makes in hopes to get a lucky payment from someone that should not be paying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: TX
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 submitted a dispute to Equifax for multiple inquiries that I do not recognize on my credit report all done within the same day. The dispute was opened and closed as verified on the same day. There was no investigation in to the validity of the inquiries I disputed on my credit report. I would like the description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: BOEING EMPLOYEES CREDIT UNION
State: MO
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:
A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and Boeing Credit Union in order to get the issues cleared up. Boeing Credit Union has refused to remove data pertaining to account ( s ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Boeing Credit Union seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Boeing Credit Union ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
the XXXX XXXX  is showing charge off but yet it has balance which is a direct violation!! A charge off account should not have a balance please delete this immediately this is incorrect information you're broadcasting on my credit report which is illegal according to my privacy act 15 USC 1682

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 2023-05-12
Company: Experian Information Solutions Inc.
State: AZ
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 request that you investigate this inquire XXXX XXXX XXXX XXXX date : XX/XX/23 On my report to determined who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above valid. Please send me a description of the procedure used in your investigation within15 days of completing the investigation. Thank you for your assistance in this matter.

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 2019-02-06
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am attempting for over six months to resolved and complete my consolidation with Pheaa on loans from XXXX. I have been even trying to escalate the issues with management and the issue is still being research despite filling out and providing proper documentation multiple times. ( 4 and 7 times filling out requested forms and sending proof of error on their part. ) Neither company is doing their part to resolve the issue. The consolidation application was filled out in XX/XX/XXXX. As of XX/XX/XXXX the issue is still not resolved. I have had to endure rude representatives and obnoxious managers that refuse to actually do their jobs and resolve the issue. I just keep getting call them they didn't do. They just try to pass it off to the other company and one person from XXXX actually did something to get me an answer, but then neither company is actually fixing this issue. Its a consolidation so I can proceed with my public service student forgiveness and set up the payment arrangements. They are holding me up from finding cheaper housing so I can actually pay them. This is beyond poor customer service they are lying to get out of doing their job, they are refusing to adhere to my right to consolidate and now completely impeding on my life. Can you refer an attorney because they need to be sued?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Credit Karma, LLC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I tried to withdraw XXXX dollars from an atm. I didn't recieve the money. I called credit karma and tried to dispute the action. They claim they sent me an email asking for my information and never recieved it. The only information I was asked for was the last XXXX of my social security number, which I gave them. I've been trying since then to get the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: TX
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:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX  and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recently used Experian to check my credit score. It claimed to have a free credit check and then didnt include the actual credit score. That was for an additional {$1.00}. I signed up for it, without it being clearly marked that it would be {$19.00} + tax after 7 days. I called them and they claimed it wasnt fine print, but I find it unclear and false advertising for receiving a free credit score. This happened on Tuesday, XX/XX/XXXX, and my credit card was charged {$21.00} the week following. They took advantage of me thinking it was a free credit report. My husbands financial advisor recommended them, and I feel theyre taking advantage of individuals who are simply curious about their credit score.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: OK
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a credit card account under an open end consumer credit plan as 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 non-monetary relief
Consumer complaint received 2019-08-31
Company: Experian Information Solutions Inc.
State: IL
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:
Sent my first dispute letter, dated XX/XX/2019 to Experian and they received the letter via certified mail on XX/XX/2019 @ XXXX XXXX. I received their response on Monday, XX/XX/2019. Their letter was send via First Class Mail. According to USPS, First Class Mail takes 1-3 days to be delivered. Thus, Experian 's response to me was over the 30 day violation and Not in compliance of this rule. I have all of my mail tracked by USPS daily delivery digest ... so I know all incoming mail/packages coming to my address. ( I have attached this print out as proof/support of my complaint ). Since I received their response on XX/XX/2019 ... according to the timeline given by USPS for first class mail ... .they mailed their response to me on or after XX/XX/2019. I attempted to reach out to them again with a 2nd dispute letter, asking them to delete my accounts because of their non compliance to the 30 day rule violation. This letter was dated XX/XX/2019 and was received by Experian via certified mail on XX/XX/2019 @ XXXX XXXX Their second response to me was received within the 15 day rule ; however, no accounts were deleted from 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