BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
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: Was not notified of investigation status or results

Complaint:
Since XX/XX/2022 I have send letters disputing my credit report through Experian, XXXX and XXXX with my driver license, social security card and utility bills as attachments. The only letter I received from then is a letter asking me for additional info ( social security card, Driver license, and utility bill ) which has been sent every time I send a new dispute letters, They are playing around, and waist my time. 
I asked them to provide information regarding your method of validation, as well as who and how the account dispute was reported as accurate, then you should delete it. 
They have ignore my request.

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 2023-07-12
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I was recently contacted by XXXX XXXX XXXX about a past due debt charged off by Comenity Bank. Upon reviewing the alleged debt, I am certain this debt is not mine. I have called Comenity and requested documentation dating back until XX/XX/2020 ( when the credit card was apparently first opened ). They were unhelpful and told me they no longer had these documents. I told them under federal law banks are required to keep records for at least five years. After being transferred to the supervisor, he dismissed what I had to say and hung up on me. 

Alleged debt owed : {$1600.00} XXXX  Acct # : XXXX XXXX Acct # : last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Several of weeks ago I asked for validation of an alleged debt owed to  XXXX . I received response from ERC stating I would receive notification in the mail of this alleged debt. On XX/XX/XXXX    I received letter  (  attached ) from ERC in regard to my response to this dispute. The letter was a billing statement. My request was for validation of the debt of which was not included. In accordance with the  Fair Debt Reporting Act ( F CRA  ),   proper validation must be included upon request. If validation can not be produced per FCRA, all collection efforts must cease and can not be reported to any of the national reporting agencies. Please produce proper validation. If validation can not be produced and ERC continues collection efforts from this point, I will have no alternative but to seek legal action up/and to suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I Have a open loan with US Auto sales, Who sold out or went bankrupt! Sold the contract to some one else without me knowing which out me behind. Also i call the new company for them to tell me i have no included warranty with this car i been paying for, & that i have to find my own third party. I know i paid for warranty, i have documentation for that. So now i asked them why wouldn't the balance of the car decrease because of that, & they are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/XXXX, I had opened an Old Navy credit card and made my first purchase in the amount of {$180.00}. The account was reported to the bureaus the following day. I had made and additional purchase on the card bringing my balance up to {$220.00}. I had paid my balance in full and had not used the card since. Fast forward to a week ago, as I started the process to get a pre-approval to purchase my first home, I was taken by surprise when my loan officer had asking me about a {$15.00} charge off to your company. I had to review months of records to see where and/or how this could happen. It appears that I was charged a fee or something in the amount of {$3.00} on my XXXX statement, AFTER I had paid the account off in full. To further complicate matters, I never received any statements following that payoff. This {$3.00} obviously went unpaid causing Synchrony to charge me what appears to be a minimum finance charge in the amount of {$2.00} on my XXXX statement. Again, no bill, no phone call, and no email informing me that I'm past due. Starting in XXXX, the account went 30 days past due, another fee was charged, still no communication or statements from Synchrony. On XX/XX/XXXX, my account was closed by Synchrony while this cycle of non-communication and no statement received letting of any balance owed went on through XX/XX/XXXX. For six months, not one person from Synchrony contacted me all the way through the account being charged off in XXXX. It's very depressing that the ability of being able to purchase a home was vehemently taken away from me over {$3.00}. As a consumer, is unfathomable that anyone would ignore such a miniscule dollar figure, even during the unprecedented events brought on by COVID19, knowing that a {$3.00} blemish would impact and haunt them for seven years. Even more so, it's incomprehensible how a company would do this to somebody.

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 2023-10-19
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
A note : I have also filed a complaint today regarding this issue with the department of federal student aid. I am filing here primarily to report the problems I have had with Aidvantage ( historically, XXXX ) so the problems are well-documented and others can see the problems with this company. 

I am currently in school, attempting to pay interest + a little extra towards my grad school loans as I can. My loans are serviced by Aidvantage. My intention is to have each payment pay down any accrued interest across all my open loans, and then apply any remainder ( " overpayment '' ) to the loan with the highest balance. Although I have expressed this multiple times to Aidvantage on the phone and in email, and been assured by multiple representatives that this is how payments are processed by default at Aidvantage, my payments are not being applied this way, and instead are applied to just one loan, allowing the other loans to continue accruing/compounding interest. There does not appear to be a way among my automatic/online tools to ensure my desired result. I have had an extremely difficult time getting in touch with Aidvantage to resolve this. On calls, I have twice waited over 50 minutes only to be disconnected without any resolution or follow up ( with and without reaching a representative ). I am told to expect responses to emails within two days, but generally do not hear back until ten days later, and with messages not addressing my issues or requests. Meanwhile, as time passes, more and more payments are being misapplied to my loans in the same manner described above. 

Prior to taking out my grad school loans, XXXX ( now Aidvantage ) serviced my loans. My attempts to pay my loans responsibly ( i.e. on a standard repayment, with overpayments as possible ) were also consistently mis-applied against my best interest and stated wishes. Wait times were long ; customer service agents contradicted each other, gave bad information, or were outright hostile/insulting. Eventually refinanced with a private lender to get away from them. Knowing this, I contacted Aidvantage prior to the lift of the COVID-19 hiatus expressing my overpayment direction instructions, and have documented every interaction I have had with them since. It took mere weeks for the nonsense to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have disputed items on my report several times,   XXXX   refuse to delete items that have already been disputed on  XXXX . I asked them repeatly to provide me with proof of their verification which they refuse to send me. I also had  2 public Records  listed on my report. law as o f      XX/XX/XXXX s tate if cant verify it has to be removed. well all   XXXX   credit agencies removed  one  of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also  one  of the collections account was removed  ( Interstate  credit collection ) and they put it back with out notifying me withi n 5 bu siness day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method professional Med Adj is undeliverable and how can you delete  2  but verify the oher, please delete

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 2023-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I reviewed my Consumer Reports and noticed that I have 8 late payments on an account that I was never late for. Furthermore, I inquired about the process of reporting with Capital One and was assured I had no late payments in the last twelve months by a representative who go by the name of XXXX. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : Quicksilver One. I have the last four of the Card in reference : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was never late according to representative XXXX. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: CA
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 husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the  XXXX  indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a  XXXX , my low was a  XXXX  from Transunion and I am totally embarrassed by this. My sister who has a  XXXX  off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing  XXXX  vital component to ensure that it is a fair assessment and that is my income, it only has  XXXX  piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies,  XXXX   XXXX  ) mortgages over $  XXXX  paid in full, never late, no bankruptcies and I am a  XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.

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 2020-12-08
Company: EQUIFAX, 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 been trying to get this wrong info off my credit for a long time but the credit bureaus arent helpful. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX XXXX, an auto loan account was fraudulently opened in my name, resulting from identity theft. I have taken steps to dispute this information with both XXXX and XXXX, including sending written letters, but no action has been taken to address the issue. Furthermore, the information on my credit report is inaccurate. The reported closing dates differ, and the account is incorrectly marked as charged off a long time ago. Additionally, there was recent activity on XX/XX/XXXX, further highlighting inconsistencies in the dates of account opening. I urgently request the immediate removal of this fraudulent account from my credit report due to its fraudulent nature and the discrepancies it presents in my consumer 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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. 

Account name : XXXX XXXX XXXX XXXX XXXX # # # # # # # XXXX, XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX # # # # # # XXXX, XXXX XXXX XXXX # # # # # # XXXX 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. 
Account XXXX : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT. 
I did not give permission to use my consumer credit. I never had any contract with XXXX XXXX XXXX, Nor do I recognize this account. 
My rights are being violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent accounts appearing on my credit report. 

1. XXXX XXXX XXXX XXXX {$100.00} 2. The XXXX XXXX  {$730.00} 3. XXXX XXXX XXXX {$510.00} 4. XXXX XXXX XXXX Co {$460.00}

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, 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

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 2022-04-13
Company: EQUIFAX, 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:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Spring Oaks Capital, LLC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received two phone calls on XX/XX/XXXX from this numberXXXX XXXX XXXX XXXX, they called again on XX/XX/XXXX. On the XXXX, I spoke to the gentleman on the phone and expalined to him the account he was calling about was part of my debt settlement agreement with XXXX XXXX XXXX and to please call them. He then told me they did call them and XXXX XXXX XXXX claimed not to have an account for me. i told him again to contact them. After getting off the phone with them, I called XXXX XXXX and confirmnd the XXXX account was enrolled in my plan. I then submitted a contact us request online through Spring Oak Capitlal 's website and even provided the phone number for them to call and asked them not to call me. A week later, i received another phone call. The gentleman on the phone told me, yes we see XXXX XXXX XXXX but no phone number for them. I told him I sent the phone number to them via their portal. 
I again went on the portal and submitted a second request to not contact me. Yesterday evening, XX/XX/XXXX, they called me again at XXXX. I did not answer. I have been faithfully working on all my debts and working with XXXX XXXX XXXX for almost 2 years. 5 of my creditors have been settled and paid in full. If they do not want to work with XXXX, they need to just leave me alone. I can not afford to pay XXXX and them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
PLEASE BE ADVISED THAT XXXX XXXX HAS INACCURATELY RECORD ALL PAYMENT RECEIVED ON THIS ACCOUNT XXXX. FIRST, THE COMPANY DOES NOT HAVE ORIGINAL CONTRACT WITH MY SIGNATURE OR TERMS OF AGREEMENT.SECOND, I NEVER RECEIVED AN INVOICE WITH COMPANY HEAD FROM THEM RECORDING TRANSACTION OR PAYMENTS FOR ACCOUNT XXXX. THIRD, I WAS CHARGED 2 REPOSSESSIONS ON ACCOUNT XXXX WHICH VECHILE WAS NEVER REPOSSED, AND IF SO, I DEMAND PROOF OF THE 2 REPOSSESSIONS. FOURTH, I NEVER AUTHORIZE OR GAVE PERMISSION FOR XXXX XXXX TO REPORT ON MY CONSUMER REPORT-ESPECIALLY INACCURATE INFORMATION. AND LASTLY, I WAS NEVER LATE OR RECALL A REPOSSESSION ON ACCOUNT XXXX. ALL HARM AND DAMAGES ARE A RESULT OF INCORRECT PAYMENT HISTORY AND BOOKEPPING.

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 2022-04-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a XXXX  XXXX XXXX In XX/XX/2021 at XXXX XXXX on XXXX XXXX Florida. Based on the auto insurance declaration page, loan was secured by XXXX XXXX XXXX MD, however I was issued repayment information from Santander Consumer USA. I reviewed the loan agreement and this vehicle ( collateral ) was used to secure the loan instrument. I want a written response as to why the loan payments were requested to go to Santander Consumer USA but the lien holder is listed as XXXX XXXX?

Company response to consumer: Closed with explanation