BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
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 sent letters disputing fraudulent accounts on my credit report. I never receive any response from the bureaus for 4 months now.

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 2023-04-22
Company: CCS Financial Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : Credit Collection Services, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I don't owe this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: HYUNDAI CAPITAL AMERICA
State: NY
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:
XXXX Dear Consumer Financial Protection Bureau : I had a XXXX lease that matured in XX/XX/XXXX. When I returned the vehicle, It was clear that the lease was terminated and paid in full. I then received a letter in XX/XX/XXXX with a settlement offer, which I did not know the meaning of, yet I paid the amount asked for. My understanding was that this settlement was a settling of affairs and had not a clue that this was actually a settlement of a disposition fee. According to XXXX, there were earlier letters sent out to me ; however, I did not receive any letter before XX/XX/XXXX at which time I promptly paid the amount asked for, as stated above. Unfortunately, the settled amount is resulting in two lates on my otherwise exceptional credit profile with the three main bureaus - XXXX, XXXX and XXXX. I have written three letters to XXXX explaining the above and requesting the deletion of the XXXX and XX/XX/XXXX late remarks and charge-off status remarks that are presenting on my credit profile, so that the account reflects my flawless payment history with XXXX. XXXX has yet to answer my request, even though my first letter was overnighted to them on XX/XX/XXXX. As it stands, the credit profile deceivingly appears as if car lease payments were actually late, which they never were, and XXXX XXXX reporting does not adhere to the Fair Credit Reporting Act that demands accurate reporting. When I returned the vehicle, I inquired if we were all done and I was told that we were all finished without any indication of a future invoice from XXXX. In the lease, it does say that a disposition fee will be collected upon return of the vehicle ; since I wasn't asked for the fee when I returned the vehicle, I understood that the fee had been absorbed during the life of the lease or offset by my security deposit, which the lease delineates. I am requesting that the XXXX and XX/XX/XXXX lates be deleted from my credit profile so as to accurately reflect my perfect payment history with 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 2020-08-03
Company: Experian Information Solutions Inc.
State: VA
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 an online dispute to have a paid and closed account removed from my credit report. Instead, XXXX reporting the account as recently paid upon as though it was closed recently when it was closed in XXXX. The began reporting all of the payment history again and as a result my credit score dropped 20 pts.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX  ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. DEPARTMENT OF EDUCATION ACCOUNT # XXXX XXXX. XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPARTMENTS OF EDXXXX  ACCOUNT XXXX XXXX XXXX. XXXX XXXX  ACCOUNT XXXX XXXX. XXXX XXXX XXXX CLOSED ACCOUNT XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.

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 2023-01-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third bank did not do an accurate accounting of my escrow account, property taxes, or homeowners insurance, so my escrow account is currently underfunded. 
I have a property tax bill due XX/XX/XXXX, that fifth third is supposed to pay. 
I contacted fifth third and asked how to apply an escrow only payment, as their online portal DOES NOT ALLOW THIS. 
I was told to put a note in the memo that it is an escrow payment. 
I said " Oh, I thought that was a memo for me, can you all see that? '' No response. 

Well, I've tried to contact them again but their chat customer service is not available. It's never available or on their website, despite claims otherwise. 

I decided to go ahead an make a payment of {$500.00} and put a note to " apply to ESCROW only! '' XXXX business days later these morons applied it to my principal. 

I have no way to contact them. I'm hard of hearing and can't speak on the phone. Their chat doesn't work. Their customer service e-mail link doesn't work. 

I don't understand how a company this large can have such a poorly designed payment portal that it can't accept escrow payments. 
I don't understand why it takes 3 days to apply something AS I REQUESTED since obviously a person is looking at these. 
I don't understand why they continue to employee such useless people who can't read or do their jobs. 
I don't understand how this bank, which is obviously trying to XXXX up my payments, is allowed to continue in business. 
I don't understand why they don't accommodate customers who can't use phones. 
When I'm done with them, they won't be in business anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am appalled by the lack of responsibility on the Credit Bureaus ' behalf. When will the Credit Bureaus going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. The Account XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00} has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the derogatory status since they have already been paid for. Please investigate these illogical statuses and provide me with the date of the last activity for the account. REMOVE this account if unable to provide proper verification.

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 2022-11-02
Company: SYNCHRONY FINANCIAL
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I called Credit card company at least three times over last three months to resolve the duplicate billing. Here are the content of the letter that I send today ( XX/XX/XXXX ). 

This is a follow-up in writing to dispute a charge of {$2000.00} to the credit account on XX/XX/XXXX, Account XXXX. ending in XXXX. Please note, I had disputed the charge when I first got the bill in XX/XX/XXXX from Synchrony by calling and stating that the charge is in error. I further explained that the amount appears to be billed twice on two separate credit cards, one under my name and the other on a joint account ( ending in XXXX ). Please note that the {$2000.00} under my name Synchrony Home account number ending in XXXX was paid in full. In addition to reporting the duplicate billing, I closed the account on my name, closed and disputed the joint account amount. As a result, I got two letters in response. First letter dated XX/XX/XXXX, stating that my Synchrony Home account ( account no ending in XXXX ) has been closed and that I have XXXX balance. Second letter dated XX/XX/XXXX, stating that Synchrony bank is reviewing the disputed claim requesting 60 days to Synchrony to review the claim. 
As, of XX/XX/XXXX, I have not received any correspondence from Synchrony Bank on what was the outcome of the dispute. In addition, I received a bill dated XX/XX/XXXX that has charged a late fee of {$39.00} on the disputed amount of {$2000.00}. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Enclosed are copies of two letters from Synchrony Bank and the bill that I received on XX/XX/XXXX on the disputed amount. Now that over 90 days have passed by since the dispute was reported, I am looking for an expeditious resolution/response from Synchrony Bank 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 2023-01-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. the list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
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 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 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  Has violated my rights 15 U.S.C 1681section 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: AES/PHEAA
State: PA
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:
Have called numerous times regarding a student loan refund. On XX/XX/2022 I called MyFedloan and a refund request was submitted. Called XX/XX/XXXX and was greeted with an automated messages saying my refund was processing. Called again XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to which I was greeted with the same auto response stating the refund is processing. I called again on XX/XX/XXXX and went to the regular menu. No auto response regarding my refund request, so I spoke to a representative who confirmed it was still processing. On XX/XX/XXXX I called again and was greeted with an automated messages that states MyFedloan does not service my loans and they were transferred to XXXX. I called them to get some information and was told they have no record of me being a customer and that it may take until XXXX to sort through the new accounts and at the point I would have to resubmitt my refund request. I immediately called MyFedloan back ( XX/XX/XXXX ) to confirm this and MyFedloan stated that it does not matter the loans were transferred and they can see my refund request was approved by the DoE on XX/XX/2022. They stated I should expect the refund shortly. Today is XX/XX/XXXX and I have not received anything to date so I called MyFedloan again today and was told by a representative that they can see it was approved but I will not receive anything and will need to re-request it through XXXX once they set my account up. Reading online and seeing that people requested around the same time I did and received their refund in half the time is a little concerning considering my refund request was approved since XX/XX/XXXX after having been requested on XX/XX/2022. Any information regarding this would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
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:
There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : US DEPARTMENT OF EDU State inquiry occurred on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that occurred on XX/XX/2022 and there is XXXX that occurred on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$660.00}, XXXX XXXX Balance Owed : {$350000.00}

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 2023-02-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX FTC and the Attorney General for Florida.

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 2023-12-16
Company: Sezzle Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Sezzle. I am needing to update my email address & change my PIN. Its not allowing me to do this & denying my transactions

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681 Section 602A states I have a right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) 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 more than seven years.

15 U.S.C. 1681S ( a ) ( 1 ) states that 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
in XXXX i bought an XXXX XXXX XXXX XXXX} and traded an XXXX XXXX for {$250.00}, the total will be XXXX dollars but apple and goldman sach are charging me {$990.00}. I have called numerous times and supposedly they have already resolved but the charge continues to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: AL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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