BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$510000.00} XXXX XXXX XXXX XXXX {$13000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2023-07-03
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
On my credit report there is an account that is older than 7 years. The account this is playing games and using lack of reporting is SYNCB/Amazon PLCC . In XXXX of XXXX, I had a 30 day late, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX a settlement, then XXXX they reported a CO. I have waited patiently for this to be removed. Due to Amazon not reporting any payment history and just the CO in XX/XX/XXXX they are reporting to the agencies that the 1st late payment was XX/XX/XXXX, therefore leaving the account on my report. I filed an dispute with all 3 credit reports, XXXX and XXXX removed the file cause they did their job. XXXX just sent them an inquiry on when the last payment was and they again said what they reported XX/XX/XXXX and didn't remove the file. According the Fair Reporting Act, accounts should be removed 7 years after 1st delinquency. This account should be removed and I'd like to formally report fraud and breaking Fair Reporting Act legal statues for XXXX and SYNCB/Amazon . I have a prior credit report, before they removed all the payment history showing the payment history from XXXX to XXXX. I supplied this document to all three agencies. Again 2 of them did their job and removed the file, XXXX is incompetent 's and breaking the FRA legal statue, but not doing their job and asking for proof of 2 year payment history.

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 2022-10-27
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have called numerous times complaining about high monthly payments at least 5 times since last XXXX as I am still currently in school. They said there was nothing they could do. On months when I make a payment late, they call over 20 times a day often 5 times in a row during the work day or very early morning. I have told them to stop calling and then they call right back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I recently financed a car with credit acceptance Corp and I believe that I also was lead into a misleading loan. I am paying XXXX percent, {$420.00} a month for a used XXXX  XXXX XXXX that at the time had XXXX miles. When I tried to buy it at the dealership I remember it saying XXXX. I had put down XXXX and I still have to pay XXXX for XXXX  years. After reading they are being sued in NY by deceptive loans, I believe I was wronged as well. And want my story heard as well. My loan is XXXX  months, and the interest has made the car over XXXX dollars. I have already paid for XXXX months and the loan hasnt even gone down to XXXX which is apparently the cost of the car afterwards when I signed. I did not have great credit at the time so I believed that maybe the price changed for me alone because of that. Understood the interest because of my credit but could not understand how I could put down XXXX still pay XXXX and for XXXX  years. And how a car that is XXXX blue book value of XXXX XXXX ended up being XXXX and I will be stuck with this loan for a long time. I also believed the mileage had played a part in the cost but the price did change after I initiated buying it. I am able to afford it yet is taking way too much of my income. at the time I did not pay rent or bills and now that I do I worry about not being able to afford my car. I always thought this loan was confusing but I do also feel like as a first time buyer I was mislead. And that I just took their word that my credit was so bad. But it seems like my Loan has barely gone down even though I continue to pay XXXX each month. I would like to be reached out to in regards to this loan and lawsuit as I believe Im another case against them. I was not sure who to contact but I am looking into contacting the NY attorneys who brought this lawsuit to light. XXXX XXXX can reach out to me but I will probably not take their word as they do not seem like a good company and have been sued before. Im sure they will just try to tell me this is right even though I feel its wrong and I would like someone else to reevaluate the loan.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2023 I paid off my mortgage with XXXX XXXX XXXX in the amount of {$67000.00} that has not shown up on any credit reports as an account or loan and I have now paid this mortgage in full. XXXX XXXX XXXX gave me an audit control number of XXXX to call all 3 credit bureau 's. All 3 credit bureu 's have no clue as to what I am talking about and still have not even shown I ever had the loan with XXXX XXXX XXXX. This loan has been paid on time in advance each and every month I had the loan with no late payments. I want all 3 credit bureaus to show the loan and that it was paid in full. I should get alot of good credit for this loan. If it was negative credit they would have no problem reporting it.

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 2022-12-16
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sold a musical instrument through XXXX XXXX for {$3900.00} on XX/XX/22. Seller sent a check dated XX/XX/22 for {$5900.00} from an account in the name of XXXX XXXX XXXX in XXXX and from a XXXX XXXX XXXX, also in XXXX. He requested that the instrument be delivered by a private courier named XXXX XXXX XXXX from the XXXX XXXX XXXX  in XXXX, IL and asked me to send them ( the courier ) {$1900.00} or the balance of check received to for transport fee. I received and deposited the check on XX/XX/22 and once my bank cleared the check and ( about 3 days ) the funds were in my account, I sent the courier the money via XXXX. Three days later on XX/XX/22, my bank removed the full amount of the deposited check from my account stating that it was altered or fictitious. I contacted the company listed on the check ( who is a legitimate entity ) and they informed me that approximately 10 of their checks were forged/ altered. I reached out to XXXX XXXX via email and asked him to immediately return the funds and he stated that he had already sent the funds elsewhere. Fortunately, I did not release the instrument, but I am out of pocket for {$1900.00} and my bank/ XXXX will not return my money even though I only acted AFTER they initially vetted the check and released the funds into my account. I immediately contacted my bank ( PNC Bank ) to report the fraud and asked them to intercede with the recipient of the XXXX transfer and they informed me that there was nothing they could do. I find this preposterous since I only acted once they fully vetted the check and released the funds to me. To add insult to injury they charged me {$120.00} in bank fees due to a brief overdraft situation and refuse to return them to me. 

I have reported this issue to the FBI XXXX XXXX XXXX XXXX on XX/XX/22 and FTC on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: ALLY FINANCIAL INC.
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:
In XXXX of XXXX, I noticed charges on my card that I had not authorized. I called Ollo Card Services to make them aware and request assistance. I, initially, spoke with the disputes department. They told me that I needed to speak with fraud department. I did and was told that there would be an investigation. They removed the fees from my card. I thought that everything had been resolved. 

The next month, the charges reappeared on my statement. I called Ollo again and was told that they were new charges. I requested and received a new card because we figured the card had been compromised. The charges were removed again. 
This happened again the next month with the new card. I called Ollo again telling them that I believed that someone in the company had to be involved because there is no way that someone would have access to my new card. I requested and was given another new card. The charges were removed. 

When I received the final card, I immediately locked it. It has remained locked ever since. 

XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating that they ( Ollo ) had decided to deny my claim and added {$620.00} back to my account. It said that I had 10 days to respond to the letter. I called Ollo again questioning why it was denied. I was told that they investigated and found that I must have done an online survey or agreed to pay for shipping on a product that resulted in the company, that I agreed to this with, selling my information. I stated that I hadnt done either of those things and asked for proof of that transaction. She said that it was done online and there was no proof. The agent stated that this is not fraud and that I needed to speak with the disputes department. I argued that that would be the very definition of fraud. She did not budge but stated that she would transfer me to the disputes department and stay on the line to explain my situation to the agent. 

She transferred me and hung up as soon as the agent answered. I spoke with agent. He told me that the charges were too old to be disputed. 
Basically, I talked to the disputes department and was told that I needed to speak with the fraud department. I spoke with the fraud department. It took them almost a year to tell me that I needed to speak with the disputes department. At that point, it is too late for the disputes department to act on it. 

I have told them that I am trying to purchase a home and that this is destroying my credit because they keep adding the fees to the card just before reporting it to the credit bureaus. 

Please help me get this resolved. I do not believe that I should have to eat these charges.

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 2022-05-03
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Security Credit Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 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 non-monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2018-12-11
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/2018, I opened a billing dispute with American Express for a charge of {$700.00} that was authorized on XX/XX/2018 to the merchant " XXXX ''. This charge was for haircut and color I had done at this salon. I disputed the transaction because the stylist didn't provide me with the service I requested and the service was defective. Dispute reason code : C32. I provided American Express with a letter explaining what happened and why I'm disputing the charge. More importantly, I provided a copy of the text messages conversation with the merchant showing that she offered to " fix '' my haircut and color at no additional charge which constitutes an acknowledgment from her that her service was defective and needed to be re-done. I also provided American Express with pictures of the service I requested versus pictures of the service I received.

I contacted American Express today, XX/XX/2018, to inquire about the status of this case and was told that the dispute was closed in Merchant 's favor because the merchant provided a copy of a signed document showing that I authorized the transaction and paid a tip.

It's the standard at Women 's hair salons to pay a tip and It doesn't mean the customer is happy with the service, I actually paid her the least acceptable tip and as I explained in my letter, I didn't realize the service was defective until I went back home and had the proper lighting and took pictures of my hair to document the defective service I received.

I am astonished that Amercian Express Ignored the fact that the Merchant acknowledged the service was defective by offering to " Fix '' my hair at no additional charge and closed the case in Merchant 's favor based on the signed document that I authorized the transaction. The reason code for my dispute is C32 : Service Defective NOT F14 ( Missing Signature ), F24 ( No Card Member Authorization ) or A02 ( No Valid Authorization ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation