BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: CURO Intermediate Holdings
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was told I had to pay a debt of {$500.00} on a payday loan the took my paystub vehicle registration. Shortly after I was informed because I was advertised to that it was a payday loan not vehicle registration loan the speedy cash where I regularly cash my payroll checks lied and I was informed by an attorney not to pay and dispute in court ( XXXX ). I received now 4-5years later a garnishment notice from my employer for 7 times the amount via a debt attorney. I was never served with a ceritificate of service in any form that I needed to appear. The amount 7 times more they garnished me for is XXXX cents. I was lied to decieved and have XXXX dollars taken from my payroll check 2 weeks before my XXXX young childrens expected XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a validation letter asking to verify all the information. They didn't provide me with anything. A data brench where all my information was used and I was not aware. Now I want this action to to take place. The XXXX data brench that happen I am one of theses people who information was used. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-28
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the followingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
According to XXXX, I must have an at least 6 months of good standing with a credit provider ( credit card ) and one open account in order to generate a credit score. I've had a XXXX XXXX open and in good standing for over 30 years -- since 1991. I have had credit scores above XXXX in the past and have always paid my bills on time. In XXXX I applied for a new mortgage and was denied twice due to the lack of a credit score. This shocked me, so I looked into it and was bounced around between XXXX, XXXX, and XXXX with none of them providing a good excuse as to why I don't have a score. They speculate that its because I don't have more than one open account, but that is only speculation and not the criteria. They speculate that it is because I haven't carried a balance on my account for 6 month, but this too is speculation because carrying a balance is not a requirement..just having an open account in good standing for six months is the requirement. My lack of a credit score is having SEVERE financial impacts on the life of my family due to being unable to refinance our house at the current low rates.

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 2023-06-28
Company: Experian Information Solutions 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:
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.

has violated my rights. Or list of inquiries 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 2021-07-27
Company: HYUNDAI CAPITAL AMERICA
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Kia Motors Finance located in XXXX XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Kia Motors Finance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have a XXXX XXXX  credit card and a XXXX car loan on my credit report nether one of these accounts are mine i sent in a dispute and FTC report and police report to the credit bureaus and the credit bureaus removed the accounts from my credit report. 

XXXX was removed - XX/XX/2021. 
XXXX XXXX  was removed - XX/XX/2021. 

It is against FCRA to remove unverifiable and unauthorized negative accounts and place them back on the report once it has been removed. These negative items are back on my credit report. It is really hurting my score and credit profile and stopping me from getting a new home and a better position at my place of employment. Please help me get these negative unauthorized items from my credit report permanently. 

Attached will be proof that these items were removed at the above referenced date. 

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$39.00}

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 non-monetary relief
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: LA
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:
Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information 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 non-monetary relief
Consumer complaint received 2023-12-31
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I called and spoke to many people. First one says they can send a text with a link to get account number. Next I spoke with XXXX XXXX who said she has no info for me. I asked to speak to manager who was XXXX XXXX. He told me that at the moment he could not give me the info. Next I spoke to his manager who I failed to get his name. He told me everything was fine and that all we had to do was resend the information to me through the internet. XXXX seconds later I was hung up on. These people were very unprofessional and could have easily fixed my problem. I have numerous banks and credit cards and never had a problem like this. Their attitude was very rude. I don't know if it's because it's new years but they should not be able to talk to people like this and treat them like that. 


Thank you 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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2021 I contacted Transunion Credit Bureau to request the inquiries that were not mine too be removed -- they explained to me that I had to send a written letter to them and the business requesting for the inquiries to be removed -- -In XXXX I sent letters to transunion and the companies to remove the inquiries -- -- this is XX/XX/2021 and nothing -- -on XXXX the XXXX XXXX I called Transunion to ask why was the inquiries were not removed -- the agent told me that I had to go and get a police report saying that I wanted the inquiries removed -- -I do not think the police can help me -- -I did not go to the police stattion because I do not believe they can help -- -- If I have to go I will -- also I explained that one of the creditors wanted to give me a credit increase without my consent -- -I explained to her the problem and she said that creditors can pull my credit if they fill like they need to without my consent -- -I was sure that any time anyone pull your credit report without your consent it is against the law

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 2022-07-20
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XXXX XX/XX/XXXX, I called Navient to make a loan payment on a Federal spousal consolidation student loan and I made a formal request ( on a recorded line ) for a copy of my master promissory note. 

The representative put me on hold, messaged her processing team and reported to me it would be sent to me ( via email ) by XX/XX/XXXX. 

On XX/XX/XXXX at XXXX pm EST I called Navient to ask the status of the Master Promissory Note being sent. 

I was told the following : 1 ) it could not be emailed 2 ) there was no request made I told the representative I had a record of the request and that it was offered to me to be emailed OR mailed. 

The representative said she saw no notes at all of a request and said I would need to start the process over. 

I was connected to a supervisory at XXXX XXXX XXXX who told me the following 1 ) there was a note of my request having been made 2 ) the representative on XX/XX/XXXX never submitted the request 3 ) the representative from earlier today on XX/XX/XXXX was wrong and the Master Promissory Note COULD be emailed 4 ) then the supervisor came back on the line to say that the Master Promissory Note could not be found. 

I informed the supervisor I was filing a complaint with the CFPB because it is an abomination that consumers must call Navient REPEATEDLY and waste hours on hold to make these requests and then representatives simply ignore the requests and consumers must start from scratch. 

As of today, XX/XX/XXXX, I am still without my Master Promissory Note

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Bull City Financial Solutions, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
All 5 of these derogatory " medical bills '' are either false, or they would've been paid by NC XXXX. During those years, I had dozens, maybe hundreds, of medical bills. But MIRACULOUSLY, only these few weren't paid by my XXXX. If you pull my medical records from this time, you will see all the hospital visits at XXXX XXXX in XXXX, NC. NC XXXX covered all of them. So, either they have been paid, or this is derogatory fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I initially intended to pay a portion of an account balance at Bank of America with another card, but before it was processed decided to use other card. I contacted the transferring company and was told that the transfer had not and would not be processed. They processed it afterwards anyway. I believe was done so they could charge transfer fee. At any rate, because I had paid off Bank of America account with another card, Bank of America was overpaid {$800.00}. I immediately contracted them, XXXX  of XXXX  and was told the overpayment would be sent back to the paying entity. That it could not be returned to me directly in order for me to ensure the payment was sent. I then received a letter dated XX/XX/21 that indicated the money had been returned to the paying entity. When I didnt see the credit, I called Bank of America, on XX/XX/21, and was told that they tried to process return on XX/XX/21, a full week before the date of the letter telling me it had been paid, but that they could not get it to go through. They then said they had instead sent a check directly to me at my home address on XX/XX/21, even though they had previously told me that could not be sent to me. I spoke first with XXXX, and then with XXXX, a supervisor on this occasion. When I had not received the check by XX/XX/21, I called Bank of America again and was told that check was sent, but that they would put stop pay on it and instead deposit it directly to my bank account. I spoke with XXXX that time. Gave him information needed to make deposit. On XX/XX/21, after still not receiving the check that was supposedly sent, nor having amount deposited into my account, I called Bank of America again. I spoke with XXXX who told me she didnt see check being sent to me on XX/XX/21. She then tried to get a manager, as she did try to help. She was told to tell me to be patient! After over a month of trying to get back money that they should mot be holding! Then spoke with XXXX XXXX, who said he is a manger in Arizona, who said he would send to escalation department that should have answers as to what is going on within 24-48 hours. I have no reason to believe anything anyone at Bank of America says.

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 2020-01-04
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Franklin Collection has harassed me and added illegal information about owing a debt in the amount of {$170.00} to my credit reports. I have never made a agreement with this company for this service. As recently as XX/XX/2019, when requested documentation under FACTA law, I was ignored. I was provided no agreement, contract, or sufficient documentation in order to validate this debt as mine.

Company response to consumer: Closed with explanation