BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-12
Company: All American Check Cashing, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
RENTING A CAR FROM THRIFTY!! Purchased and paid for car rental thru XXXX. When I got to the counter at XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, FL XXXX to pick up car the rep asked me if I wanted to purchase additional insurance. I told him no that I was already a fully insured driver. In order to get the car I had to sign the contract. To my surprise that after I returned the car, they charged to my account {$430.00} without my authorization. It was a fraud and I am sure they signed without my authorization since I didnt receive any document. 

The same day I noticed the charge in my account I contacted Thrifty customer service to complain about the additional insurance that I never asked for it and I also contact XXXX to try to find answers about this with no solution from them. 

This is beyond wrong on every level. I will take this as far as I need to to get my refund and make sure everyone knows how this company does business. It is very important that you review all comments about this illegal procedures and frauds from Thrifty at XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: LA
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.

The letters are stated with items and issues.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recently viewed my credit report and saw an outstanding auto loan for {$15000.00}. This was not purchased by myself and was done fraudulently. I have tried to dispute this with not only the company XXXX XXXX XXXX XXXX ) but with the credit bureaus as well. Still no one has been able to remove this from my credit. I dont even know what kind of car it is!! And it has never been paid on. This is putting a damper on my credit and causing an inability to purchase a vehicle for myself and a home.

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 2023-01-04
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nation Credit Systems, INC is not registered nor has a license in the state of Florida where I reside to collect any debt in Florida. Please see attachments of this companys current active license/registrations. Florida is not listed. I will also be submitting a complaint with my state attorney general and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Synovus Bank
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:
My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion.

This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party. 

This is also a Notice exercising my rights to prevent the processing of my personal data by XXXX XXXX. Please be advised XXXX XXXX is in violation of The Fair Credit Reporting Act 15 Use 1681a ( e ) and! 5 USC 1681b ( c ) ( 1 ) ( a ). First Progress is also in violation of the Gramm Leach Bailey Act 15 USC 6802 ( b ) ( 1 ) ( a ) - ( c ) I the consumer was never given an explanation of how I can exercise that nondisclosure option. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS THE FDCPA AND FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

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 2020-09-15
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Previously requested via phone for an itemized billing for the month of service being billed. 
XX/XX/20 - spoke with XXXX from Penn Credit Corp XX/XX/20 - spoke with XXXX from Penn Credit Corp XX/XX/20 - spoke with XXXX from Penn Credit Corp XX/XX/20 - spoke with XXXX from XXXX XXXX XXXX XX/XX/20 - spoke with XXXX  from Penn Credit Corp Previously requested via mail on XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car got totalled. The loan was paid in full except {$1000.00} They closed the account XX/XX/2018. It shows as a chargeoff account however it still shows a balance of {$1200.00} and I am being reported late each month

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 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
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:
There are more than a lot of unknown inquiries and creditors I have no awareness of. I would need 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 explanation
Consumer complaint received 2023-08-09
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX got a XXXX XXXX XXXX  taken from my savings and checking account for a Discover card that is not even in my credit report history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MD
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 express my deep concern and frustration with the multiple unsuccessful attempts I have made to rectify the fraudulent items on my credit report. These fraudulent items are severely damaging my credit profile, negatively impacting my financial well-being, and causing significant distress. 

There are accounts listed on my credit report that I believe are the result of identity theft or fraudulent activities. These accounts do not belong to me, and their presence is unjustly damaging my credit score. 
I have made several attempts to dispute these fraudulent items by following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided detailed explanations, supporting documentation, and evidence to substantiate my claims of fraud. 

Unfortunately, my efforts have not yielded the desired results, and I continue to face the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me in the dark about the status of my disputes. 

The delay in addressing these fraudulent items has caused significant financial hardships and has adversely affected my ability to access credit and financial opportunities. 
The presence of these fraudulent items continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors, and I am fully committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into the fraudulent items I have reported and take swift action to remove them. Additionally, please provide me with timely updates on the status of my disputes, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my earnest attempts to rectify these fraudulent items. I am asking for your help to remove the fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-04-18
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:
I have found that the reporting agencies XXXX Transunion and XXXX or in violation of my consumer rights according to 15 u.s.c. 1681 d

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 2021-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I hope this is the right place to file this complaint. A fraudulent line of credit was opened in my name with Citizens One. I have contacted them and submitted a fraud packet. I've been trying to get a hold of their fraud department for over a week and no one is responding. The message says to leave a name and number and they will respond within 1 business day. I've tried the original number I contacted but they said once the packet is submitted, it needs to go through the fraud department and they don't have any other number than what was provided. 

It's been a month since this all started and took almost 3 weeks for Citizens to send me an email with a packet to fill out an send in. Now they don't answer calls. I'm at a loss for where to go next to get them to take action as I seem to be in a void of no one being able to help and no one responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On the XXXX of XXXX, my wife and I decided to purchase our lease from GM Financial. We went through our bank to make the purchase. A check was mailed to GM Financial with paperwork requesting for the title and XXXX XXXX XXXX  to be assigned to our bank. However that is not the way things went. Unfortunately things did not go as planned on the part of GM Financial. The mailed everything to the wrong address, not to the bank nor to us! 
We have leased 3 vehicle going through this establishment, and I'm not sure a 4th will happen after this! We were given 60 days until our 1st payment would be due, which is now coming up fast. 
I have requested for some type of compensation considering the improper handling of everything, and I was told they will do NOTHING. They have now requested for a duplicated title, to which they informed me will take about 45 days. Then they can over night it to us, but hey should be sending everything to the bank that requested for the original paperwork. 
When we were not able to find another vehicle for less then XXXX over MSRP, so we thought to extend the lease. They did not give us any credit towards the residual for any of the 3 payments we made totaling ( {$1000.00} ). When I asked why we are not receiving any credit towards the vehicle, they said that was not the way it works!? 
I have the paperwork that was sent to GM Financial which does not request anything to be sent to us only to the bank. It is because of this, we are very confused why it would be sent anywhere else. We were at the understanding that we were dealing with a business that does these kind of things daily ... .what could go wrong, right. 
Now we will be responsible to make a payment on a vehicle we can not use, which is not fair business. It seems like the only thing they did right with in this transaction was cashing the check that was mailed to them. Now that they have there money and much more, they do NOT care to except blame or do anything to make things better. 
I requested for the information to reach the CEO of GM Financial to which they refused to give to me directly when asked! I was told that I could look it up for myself using XXXX, or that I could try to find it on their website. I feel like this could have been handled much better especially with a customer that has done multiple leases, maybe the money means more to them then the customers. They have been paid in full plus more, we should either have our necessary paperwork or think about covering the cost of a rental until everything is corrected, after all they made the mistake that caused all the issue we are dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2021-10-12
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2021 I went into an extension agreement with SunTrust. The agreement outlined a payment wasnt due until XX/XX/2021. They asked that I sign and return the written agreement, which I emailed on XX/XX/2021. 

On XX/XX/2021 I received notification my scores dropped XXXX points with XXXX and XXXX with XXXX. 

I am in the process of refinancing my home and the significant drop in scoring will prevent me from moving forward. 

I called SunTrust to assist several times. Ive explained the urgency- to no avail.

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 2023-07-15
Company: Experian Information Solutions Inc.
State: TX
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:
CAN NOT GET MY CREDIT REPORT AND CAN NOT GET FREE ANNUAL 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 2023-03-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am submitting another CFPB Complaint to dispute an error in my credit report. According to my credit report, I have a late payment on one of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. 
DEPT OF EDXXXX XXXX XXXX XXXX XXXX, XXXX Balance {$3700.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4500.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4600.00} DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$9700.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$2300.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: NC
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:
I have a complaint involving XXXX XXXX. They have charged off my account # XXXX and sent it to Experian and XXXX for {$15000.00} but yet sent it to XXXX XXXX XXXX XXXX and their saying I owe {$13000.00} a difference of {$2000.00} but I also know they resold it at an auction because the last time a representative spoke to me they said if I didnt pay by the end of XX/XX/2019 they would resale it at an auction. I also have proof but cant attach paperwork.

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