BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S. Code 1681c2 Subsection 3 : if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Best Buy credit card, I was told to go into a store to complete my application. After I showed my Drivers License and answered some security questions they told me they could not verify my identity and wait for a letter in the mail. 

The letter in the mail said they could not verify my identity and to call a phone number. 
After calling the toll free number I was directed to go into the store to get my credit card. 

After going to Best Buy a second time I repeated the same process and I was again told to wait on a letter in the mail. 

The letter in the mail said the same thing, I called the number and was told to go inside the store again and repeat the same process.

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 2018-04-11
Company: EQUIFAX, INC.
State: VA
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:
I have call XXXX and told Them That XXXX  XXXX XXXX XXXX shouldn't be showing on my inquiry on XX/XX/XXXX because I haven't apply for no service with XXXX  XXXX an they told me that they can't remove. An I don't have no cell phone service with XXXX I have XXXX XXXX XXXX service This is what is listed on my inquiry : XXXX XXXX XXXX XXXX -XXXX XXXX EQUIFAX inquiries listed incorrectly doesn't belongs to me XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX incorrect inquiries don't belongs to me XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: HI
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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: EQUIFAX, INC.
State: OH
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$6700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Nelnet, Inc.
State: KS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attached a memo with my statement. My identity was stolen in XXXX, having 4 student loans taken out. The other 3 were removed from my credit report between XXXX. I did not realized the XXXX loan because my Uncle, ( XXXX XXXX, deceased ) and my Mother ( XXXX XXXX, deceased ) were the primary and secondary applicant. I was listed as STUDENT, so it was never on my credit report. I was XXXX XXXX XXXX XXXX as the time when my mother called me and said she, " Couldn't keep paying this bill. '' I didn't know what she was talking about but she said it was a student loan, so I began paying it as well ( I was not in the country at the time ). Once I got back to XXXX  XXXX, I saw paperwork and had no idea what this loan was. I asked for the promissory note and immediately saw that it was not my signature ( see attached document ). I called the police who told me that it was 12 years ago and instead of filing a police report to contact the XXXX  State Attorney General ( see attached document ). XXXX will not process it because I only have signatures from now and my son 's XXXX birth certificate ( see attached document ). They attest that they need a signature from XXXX ( I don't have one ). They also contest that they need a police report ( the XXXX  State Attorney General document supersedes the police report ). They also contest that because payments were made it is 'ratified. ' Payments made from my mother ( early stage XXXX XXXX and XXXX ) were because she was bullied/frightened into making them. Payments by me were based on my mother 's statements and my unawareness of the situation and do not constitute acceptance. I have three student loan companies, ever : XXXX, XXXX and XXXX XXXX. That's it. If you look at the 2 pages after my XXXX XXXX, you can see screenshots of " my '' XXXX account. It is blank because not only was it fraud, but I am the STUDENT and not either the primary or secondary applicant. This was removed from my credit report in XXXX XXXX, after my mom died, by XXXX because the person on the phone said, " Even if it wasn't fraud, you are not liable because you are the STUDENT. '' XXXX has since put it back on my account and have me listed at the Primary co-signor which is not true, I never signed anything, it is not my signature, clearly seen by ALL OF THE EVIDENCE that I have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: COMMERCE BANK
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a vehicle in XXXX XXXX XXXX  through Commerce Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dealership where I purchased the car did not put the transmission plug back in the vehicle there for after many months driving with no tranny fluid, the car blew up. Dealership would not take responsibility since I bought " as is '' and eventually I had to let the car go " repossession '' as I could not afford to fix the car, it was cheaper to just find another car Commerce Bank contacted me only one time ( right after taking the car back ) and told me they were just closing the account because they could sell it at auction for close to what I owed and that nothing further needed to be done, and I believed them as nothing came up on my credit this entire time. I do not remember who I spoke with since this was so so so long ago, Seven years ago! 
Fast forward seven years ( and two paid
off cars later, I am not sure how I got loans for those two vehicles no problem! ) I went to go by a newer car and got denied because all of a sudden the car from Commerce Bank in XXXX is now " charged off ''. I was NEVER contacted by phone or mail that this was happening and that they were selling the loan to a debit collector and that I now owed money. I was never even contacted by a debit collector that I needed to pay it ( when you pull my report it doesn't even say who I need to contact debit collection wise to get it taken care of, just says unknown so I cant even name who else is involved ). I had no idea about this until I was trying to purchase another car just last week and it happen to show up on my report the day I put an application in. Seems suspicious and weird to me that after SEVEN years it is now all of a sudden there, when I was told it was taken care of. 
I do not agree with this and feel this is very unfair! I should have been contacted within a week after Commerce Bank took back the car and decided the car was going to be charge off not just closed. Its been many years! I has been SEVEN years since I let that car go! Had they contacted me in a timely manner I could have tried to make a payment plan with the debit collectors or something, now I can not as I need a gas saving car. But seven years ago I could have handled this Thank you for your time and attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This is a formal complaint on Hyundai Motor America ( XXXX ). On XX/XX/XXXX I was on the way to pick my children up from school when I heard a loud metal knocking sound coming from the engine. The car turned off and I was forced to pull over to the side of the road. On XX/XX/XXXX the car was towed to the nearest XXXX XXXX Hyundai dealership in XXXX, Fl. The diagnostics are done by appointment only. Three weeks later the diagnostic was complete. The diagnostic proved that the engine locked. The service advisor advised me that my XXXX XXXX XXXX has a lifetime warranty and if the issue was because of my engine I will be compensated a brand new engine at no cost. Before the service advisor submitted the actual claim over to XXXX  he requested to have proof of a couple receipts of the routine oil change. I provided him with the information. After sending that information over to XXXX, The service advisor contacted me saying that XXXX  wanted pictures of the motor. After receiving the pictures of the motor they denied the claim stating that there is reason to believe that there was neglect to changing the oil, which was not true. I have provided XXXX  with proof and advised them that the previous oil company XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX, XXXX, FL XXXX ) sold their business to the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). The XXXX XXXX have told me that they can not provide any of the records from the previous company because they do not use the same system. By law the oil companies are suppose to keep the customer records up to 5 years. I am a single mother of XXXX children and I work a full-time job being without my car has caused me to take off from work and fall behind on my bills. The car was financed XX/XX/XXXX and paid off XX/XX/XXXX. XXXX  is aware of recalls, electrical issues and engine complaints. I deserve to have my engine replaced at no cost because my engine has a LIFETIME WARRANTY.

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 2020-10-05
Company: Western-Shamrock Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have struggled with money as a single mother and I got caught up in payday loans and I did pay on them on time always until I lost my job back in XXXX. I have told them that, but I unfortunately did get XXXX  from the phone calls and not being able to pay or find a job due to pandemic. You can clearly see my history on all of them I was always on time, till XXXX. Now my credit is completely ruined, and I have told them to be patient till I found a job which I recently did. But they have called every single day. I want to get back on track but am behind so I would just like some guidance on how to get help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
i opened a usaa performance first savings account with XXXX dollars onXXXX. on XXXX XXXX dollars was fraud transfered back to my checking account. i did nor authorize this. this special account was supposed to have XXXX fraud protection. that is how usaa advertised this account. the bank refuses to refund my money and will nor respond to the savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Although receiving a result to resolve the dispute based on a previous complaint, the credit reporting bureaus have not updated my credit report at all in a timely manner. The XXXX XXXX account for the amount of {$960.00} was a result of identity theft. Both police and FTC Reports were filed accordingly over a month ago. Police reports XXXX and XXXX and FTC reports number 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 2020-10-05
Company: EQUIFAX, INC.
State: NC
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:
Credit oddities showed up with SSA for my XXXX year old mother. I contacted all 3 credit reporting companies in order to freeze credit and request a report for both parents. I had to provide my proof of identify, POA, parents proof of identify, SSA info etc to them. I sent all via certified letters and can not make any progress with Equifax after lengthy calls, them cutting me off, etc. I sent information they required to the address they specified by certified mail with a receipt. The post office provided a receipt that the sensitive information was received by Equifax on XX/XX/20 and signed by XXXX XXXX. I called and was asked to wait 30 days. I spent an entire morning on the phone trying to get the information but all they could tell me was that the info wasn't in their que. I sent another letter with a copy of the receipt and requesting that they located this very sensitive information that I sent on behalf of my parents. Certified mail receipt for XX/XX/20 again signed by XXXX XXXX. NOTHING. They still have nothing. They not only have on data breach but I now have concerns about inside their company. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: MI
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 XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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 2022-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For a long time, I have been disputing my Credit file requesting that the Credit Bureaus correct the information being reported by the erroneous accounts on my Credit File. I have also been sanding dispute letters addressed to the Credit Bureaus and the most recent letter I sent was dated XX/XX/2022, highlighting the accounts that are reporting erroneous information on my Credit File. I have been disputing my Credit File for a long time and it is clear that the Credit Bureaus are ignoring my requests. Under the Fair Credit Reporting Act 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 from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
They need to take XXXX XXXX XXXX account off her Trans union credit bureau never put XXXX XXXX XXXX account never put it on again as And you need too stop block both of us telephone number so we can solves XXXX XXXX XXXX  account because you are not solves both of us credit bureau reports

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 2023-03-05
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I went shopping at XXXX back in XXXX of XXXX. The cashier tried to push a TJX rewards card on me, which I was not interested in. I made a {$40.00} purchase at the register and the cashier had signed me up for the card ( without my consent ). I did not realize this {$40.00} charge was applied to an account that I never agree to open, nor did I ever receive a hard copy of the card or a letter from the credit card company. 

I only found out I owed late payments when I did a credit report in XXXX of XXXX. At that point I called the credit card company, they agreed to waive the late fees and they took payment in the amount of {$55.00} ( which included interest from the principal purchase ). 

In XXXX of XXXX, my credit report was showing more late fees owed. I called TJX card services on XX/XX/XXXX and they said they had record of my call in XXXX and record of the fees being waived. HOWEVER, they are claiming they did not receive my payment of {$55.00}, as the call was conveniently " disconnected '' according to their records. 

This company is fraudulently charging me late fees and is not allowing me to pay my original bill ( which was never consented to nor was made clear that an account was opened with a bill ). They are making it very difficult to resolve this issue, I have spent dozens of hours talking to people at the company, repeating the circumstances, and no one seems to have the authority to waive the {$150.00} of fraudulent late charges. I highly recommend anyone who shops at TJX stores to reject any credit card pushed on them at the register, and also make sure they didn't sign you up without your consent. 

I am taking them to small claims court, I have wasted lots of time on this matter but I refuse to pay 5x the original principal because this company are frauds.

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