BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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 purchased a XXXX  XXXX I was told and viewed a work slip for repairs on the car as I took possession of it. I followed up with a mechanic at the car dealership set the appointment up with. The mechanic said he would attempt to repair the car however he said it needed extensive work. We called back to the car dealership and was told that they would only do one repair to the head gasket. I personally paid for the second head gasket in order to keep the car from not smoking constantly. Again the same mechanic attempted to fix the car I went back to the dealership to see if there was something that they could do to assist me to give me another call I was told at that time it was on me even though they had filled out a work request slip. After spending close to XXXX dollars and Reporting this to XXXX XXXX and the manager at the car dealership I returned the vehicle. 4 years later there has constantly been reports on my credit saying that I owe money and there's interest accumulated as if I am in possession of this car when I explained the situation I was told to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( XXXX, XXXX and XXXX ) have not responded back to me about my investigation. I sent a letter stating Kia Finance XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.

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 2018-03-06
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed XXXX listed on my credit reports and contacted them on XX/XX/XXXX in an attempt to verify the debt, as I had no knowledge of it. While on the phone, I was informed that it was for an ultrasound performed in XXXX. When I told the lady that I had never in my life had an ultrasound, she stated something to the likes of, " Sorry, wrong one. Let me see ... .did you have xrays or a CT performed? '' I then told her that what medical procedures or diagnostic exams I have had did not concern her. She then began to ask me for my social security number, I asked her why my name and date of birth weren't enough to pull up the account and also why she seemed to be taking shots in the dark regarding why I allegedly owed money. At this point she stated that the debt is valid regardless of what I say because they only service valid debts and that if I do not pay it, it will continue to sit on my credit report and I could eventually face a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In a detailed review of the transaction history of the credit card account ( after noticed that there was a significant balance still owed, after balance should be close to paid off ). In this detailed review, noted that the interest on the account from 2017 to present is not being calculated accurately and within the federal standards for calculation. Can see from monthly statements dating from 2017 year to present that there are some months in which the payment made on account goes solely to interest, other months the payment does not pay any interest. Monthly payments exceed the minimum balance, so payments should be applied per the federal standard, but they are not. This has caused an excess of $ XXXX in interest alone accumulated inaccurately on this account from 2017 to present. 

I have contacted the company multiple times to request the ledger and transaction history used to produce the statements I am reviewing. The reason I asked for this information is because you can not determine how payments were applied to the account. On the statements you can only see how much interest was paid and if the principal balance went down. From the statements I can see that interest has been added to the principal balance, then additional interest applied to that balance. The company has refused to supply me with this information and just keep sending me the monthly statements. I already have the statements and have explained the statements do not show the requested information. I have called the company multiple times, sent emails, all requesting a manager and corporate intervention to obtain information I am requesting. They refuse to provide the details on the account and continually tell me someone will call me to discuss and resolve. That has yet to happen. You can see from the statements that the interest on the account is not be calculated accurately, but any further detail, i.e., how much is being applied and how exactly it is being applied can not be seen without the requested information. I would like assistance in obtaining this information or a detailed review of this credit card account, so as to prove inaccurate standards for credit card interest calculation. I can and will supply all statements from 2017 to present, if needed. Please let me know if you need those. Thank you. 

In a nutshell, the balance is XXXX XXXX higher than accurately calculated, which is ALL interest added to account. This account has not accumulated a balance past {$2000.00}, so {$600.00} in interest is extremely high, which is what triggered me to do an audit on the account. Again, thank you for all your assistance.

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 2020-07-25
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC is not allowing me to link my checking account to XXXX  so that I may automatically transfer money to my XXXX account. PNC has somehow blocked this feature from being utilized, which does not allow me to utilize my money as I see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: WELLS FARGO & COMPANY
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:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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:
THE COLLECTION AGENCY AGREED TO DELETE THE COLLECTION ACCOUNTS THAT I PAID BUT THEY ARE STILL APPEARING ON MY FILE

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 2018-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
trans union is reporting two negative accounts on my credit file that don't belong to me. these accounts and balances do not belong to me and are not mine. I have notified them of these errors and they have refused to correct them and remove them from my credit file. the accounts are XXXX XXXX and XXXX and XXXX ands they are appearing under the negative accounts on my credit file.

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 2023-08-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XX/XX/2021

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 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 name is XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I purchased a car for my wife, a XXXX XXXX XXXX XXXX. She has made all the payments for the vehicle. In XX/XX/XXXX she was side swiped by a XXXX bucket truck. XX/XX/XXXX XXXX insurance   company deemed the car totaled, as soon as we found out we contacted XXXX. The requested that the insurance company reach out to the, which is what they have done. According to my wifes attorney the insurance company has continually sent the documents via email, fax, and have sent letters. Each time weve contacted them they have said the insurance company has either sent the wrong documents or that they havent received them yet. The insurance company ( XXXX ) has told my wifes attorney ( XXXX XXXX XXXX   XXXX  his name handling this is XXXX XXXX XXXX ) that they are not sure what is going on over there, that they are not " acting in good faith. '' The paperwork that they are requesting is no different than anyone else who has Gap insurance. XXXX is now sending me certified letters they are welcome to take the car, if that will get them to do the right thing, at this point we are very frustrated with this company and will never do business with them and we will make sure all of our friends and family will know to avoid them.

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 2023-04-23
Company: Experian Information Solutions Inc.
State: UT
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 forgot to include this attachment to the bureaus in the list of 5 mentioned in the prior complaints. Couldn't figure out how to attach them after the fact. Please make sure they all get this to the complaint filed about XXXX XXXX It's their inaccurate so called corrections that don't show on my reports that lenders run.

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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My now deceased ex boyfriend stole my information and opened 2 credit accounts under my name from XXXX XXXX  in XXXX. I have disputed these with portfolio recovery numerous times. They harass me constantly and I'm always having to block new numbers they call me from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I have identified 41 months of eligible employment between XX/XX/XXXX and XX/XX/XXXX that have not been credited to my Public Service Loan Forgiveness ( PSLF ) account. I am requesting a review and inclusion of these months towards my PSLF eligibility as it would bring my total qualified payments to XXXX, surpassing the XXXXpayment requirement. 


Additionally, my student loan repayment began in XXXX, and consistent payments have been made, meeting the 20-year payment threshold for Income-Driven Repayment ( IDR ) forgiveness. Can someone let me know why I have not received either IDR or PSLF cancellation of my student loan debt? 

These issues are the direct result of bad faith acting on the part of loan servicers. The PSLF waiver and IDR adjustment were the government 's way of acknowledging the unfair practices of the loan servicers and were supposed to compensate for the widespread malfeasance of these services. Yet I still have not been granted the counts that should allow me to finish my obligations and have my debt canceled. I've done my part to complete the 10 years of public service that the PSLF program required AND I've been paying for more than 20 years which the IDR program required, yet there is no relief. Just more bad acting on the part of the new loan servicer. It is impossible to navigate this system, more qualifiers come out each week on the student aid site and yet I can not manage to get free of this spiderweb.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CA
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:
XXXX Credit Card - XXXX - or XXXX XXXX XXXX XXXX  - on XXXX incorrectly and unfairly reduced my credit limit from {$10000.00} to {$0.00} without any change in my account balance, without offering reason or intimation. 

" On XX/XX/2023, the limit on your XXXX XXXX credit card decreased by {$10000.00} from {$10000.00} to {$0.00}. '' This adversely impacted my credit score. Their support is not reachable over phone and only send out template responses to support inquiries over email. 

Despite actively trying to resolve this issue over several weeks they are neither reinstating my credit limit nor explaining themselves - I am requesting the following information : XXXX. Why was the credit limit erroneously reduced from {$10000.00} to {$0.00}? 
XXXX. What change in my account balance prompted this change from {$10000.00} to {$0.00}? 
XXXX. Was there any communication before erroneously reducing this to {$0.00} and reporting this incorrect information? 
XXXX. What measures have you taken to reinstate it to {$10000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Lowes credit card opened in my name fraudulently. Reported to company, removed from credit report and is reporting again in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2019-03-27
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To whom it may concern, I have a Home Depot Consumer credit card. I received my statement for balance due for XX/XX/2019. It informed me that they never received payment for balance due XX/XX/2019. I did, however, make my payment in XX/XX/XXXX and have a copy of the canceled check through my bank with the stamp of approval through Home Depot. Ive called Home Depot multiple times in the past 3 weeks. I have faxed the copy of the canceled check to them daily for the past 2 & 1/2 weeks and they have yet to resolve this issue. Im being called almost daily to collect payment, they lowered my credit limit and they have given me 2 late charges. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NJ
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I want these items immediately re-investigated and for a good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-29
Company: EQUIFAX, INC.
State: NY
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:
My name is 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.

Company response to consumer: Closed with explanation