BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: SYNCHRONY FINANCIAL
State: OK
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 did not permit XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX SYNCB/WALGREENSDC XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX SYNCB/AMERICAN EAGLE PLCC XX/XX/XXXX To run an inquiry on my credit. I have not written anything saying that I was interested in. I don't even shop with these companies.

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 2023-03-18
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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XX/XX/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 2023-02-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2021-11-06
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Dear sir/madam I am trying to file a complaint regarding a leased car. I had an incident on XX/XX/2021, I got a flat tire, i hit a curb and 5 of my airbags deployed.I tried to file a claim with my insurance company assuming i was covered, and I was informed that I do not have collision coverage on my vehicle, therefore they can not do anything about that. I obtained the insurance requirements from Volkswagen Credit and the requirements are completely different from what the insurance company issued. Even though my insurance did not meet the requirements of Volkswagen Credit, VW Credit still accepted it and the car dealer issued the car. In a normal situation, the procedure would be to force place insurance on the vehicle since mine was not sufficient, and I should have been informed by letter and a phone call regarding the force placed insurance. None of that happened, and i called the financial institution and they confirmed that no insurance was force-placed nor was i notified via letter or a phonecall. Wherever I call now, they tell me that they can not do anything about this. I have copies of the lease contract, the insurance requirements and my insurances declaration page. I contacted several government agencies, and because it's a delicate situation, they didn't know what to do. 
I dont know what my next step should be, I tried all available routes to no avail. 

Hoping to hear from you soon thank you regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NY
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 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 explanation
Consumer complaint received 2022-11-01
Company: Nelnet, 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: Investigation took more than 30 days

Complaint:
XX/XX/2022 - I realized there are two student loans on my account that I did not apply for with Nelnet and filed a police report. 
XX/XX/2022 - Completed packet of papers to prove I did not apply for the student loans and returned to Nelnet with proof of my identity. 
XX/XX/2022 - I have sent more proof during the last few months to prove my identity. Nelnet has now changed the original person 's information that opened the loans from a different state to my information and refuse to remove the loans from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: SYNCHRONY FINANCIAL
State: NJ
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 have been going back in forth with PayPal Synchrony for almost XXXX years trying to make payments. Unfortunately I have had no success. XX/XX/XXXX I disputed my account because they were continually charging the account even though they stated they could not discuss the account XX/XX/XXXX I spoke with XXXX a rep with PayPal Synchrony and was told that my account was sold and I had to wait to be contacted. XX/XX/XXXX I was reported for additional late fees XX/XX/XXXX money was drafted from my bank account regarding this matter from XXXX XXXX XXXX XXXX XXXX in which I got that process stopped making a payment for {$500.00} at that time even though I made the payment PayPal reported another {$42.00} late payment in which I was disputed and it was removed. XXXX & XXXX told me that they did not contact me because PayPal attached an order for me to not be contacted. Even though I have been calling and sending certified letters to the creditors. Since I paid my account in full in XXXX PayPal did not update my balance which XXXX disputed in XX/XX/XXXX. Even though I have a letter stating that I have paid everything in full PayPal is still telling me I owe {$220.00} in which no one can explain why I still owe money with a paid in full letter. I writing this letter to get this account deleted off my profile. This was originally charged off XX/XX/XXXX and they have now changed the date to XX/XX/XXXX charge off.

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 2023-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX 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 2022-07-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Equifax provided an incomplete background screening to a leasing agent on XX/XX/22 that stated my the criminal record for the search was pending. I reached out to request an updated report via the number on the incomplete one on XX/XX/22 and was told to call the consumer line. One of my concerns is that prior to this request I called twice on XX/XX/22 and twice on XX/XX/22 and was able to receive personal details about my file, such as criminal record and credit score, without providing any identifying information about myself or my relation to the file, just the file number. I was not asked who I was until I requested an updated report. I called the consumer line XX/XX/22 and was told they dont do background screenings through Equifax XXXX When I asked to speak to a supervisor I was placed on hold for 45 minutes and then hung up on. I would just like an completed copy of my report as the agent believes that pending means I have a pending criminal charge and has shared this with my agent causing me not to be able to get housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Someone sent money to this checking through XXXX accidently. I reached out to the bank because I don't have access to this account because it is locked letting them know this person sent this money in error and I wanted to not except the XXXX or have it returned. They told me I could do it from the account, but I do not have access to the account since it is locked. I explained to them again this money was not meant for me and the person who sent it is now trying to hold me accountable and still they refused to send the money back or reject the payment. Also, wouldn't give me access to the account so I could return the payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18
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:
Experian stated that my accounts were properly investigated, how is this possible if the late payment dates are inaccurate and are not reporting fully on each bureau. 
the open date is inaccurate, the date of last active is inaccurate, balance owed is inaccurate, and date of last reported is not accurate. Federal law state that any inaccurate information on a consumer report most be deleted, PICTURE OF 3 BUREAU REPORT SHOWING INACCURACIES

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 2023-03-18
Company: Experian Information Solutions 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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$420.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying back my XXXX student loans to Discover/XXXX  for 13 yrs. This XXXX I was able to pay the entire balance ( ~7000 ) of my 6 loans. Though even this was tricky : it was hard to find a payoff balance and there was no button to pay off the entire balance ( it was unclear if my balance included any final interest ). So, I applied money to each loan in order to pay off the balance of each one. After a few days I see a balance and a min. payment of XXXX. I contact Discover and ask if I need to pay that ( the day previously, I had balance of - {$1.00} ) .They said no ; they had calculated an overpayment for 5 of the loans, but they would automatically apply that to the 6th loan within 30 days. A few days later, I get 5 checks from Discover, totaling XXXX. I checked my account and the only thing that was there was the {$55.00} payment that the woman told me not to pay. So, I thought I was fine to keep the money. On XX/XX/XXXX, I get a late payment notice, saying I still have a balance on that 6th loan ( in the exact amount of the money sent to me ). They have admitted to me that Discover made a mistake and misapplied the money I paid. They chastised me for not keeping better records. I told them what I could see in my account : that I made all of the payments and that they added up to the loan payoff balance, that 5 of my loans had a negative balance and that one loan had a positive balance, but that the total balance was negative XXXX cents. But they kept referring to what they could see on their end : how all the money was disbursed, that the overpayment checks were dispersed, etc. This doesn't seem fair from a consumer perspective to blame me if I don't have that info available. Up until a few days ago, I thought I had paid off everything. The opacity of the documents that their customers have access to is incomplete and confusing, and therefore they can just make the data mean whatever they need it do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: DE
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2020-11-10
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX  Sirs, I received a collection notice from your company about a XXXX Account I closed . Reference your number # XXXX. The account number is XXXX and was closed in XXXX. I returned a phone on XX/XX/XXXX, per XXXX 's directions, on RMA ( RETURN MATERIAL AUTHORIZATION ) XXXX. The USPS Number was XXXX and was received at XXXX 's XXXX XXXX, TX. facility on XX/XX/2020. Why they sent it all the way to Hawaii  is beyond my comprehension. I have spoken to XXXX representatives at least three times to resolve this issue. The last call the representative confirmed the package had been received and said it would be credited after being processed. I wish you now to resolve this once and for all because now XXXX representatives won't talk to me because they sent it to you. I'm pretty aggravated with the service I received from XXXX after being their customer for over 20 years and never being late on any payment! 

With respect, XXXX XXXX Email : XXXX I have now found out they lowered my credit score on all three credit companies because of this and I'm upset because I have always been responsible for any payment I owe. XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
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:
Loan XXXX for Webster Bank. We switched banks from XXXX  XXXX XXXX ( XXXX ) to XXXX and our autopayment was not processed by XXXX before the account was closed, despite being scheduled. The Bank Offices was CLOSED DUE TO COVID and appointment only and waiting list was 3 weeks. We scheduled asap as we could not see our account online. I have set up electronic notifications with WEBSTER and they are claiming the MAILED the late notice to my address. Not only did i not receive it via mail but they did NOT email it per my set up on their system. Now they are reporting 30 day past due on our account, reducing our score by 100 points. We called and explained this was a COVID related issue and have not been late in over 14 years and they REFUSE to assist. Ridiculous in this environment to ruin someone's credit due to COVID issues. ATTACHED MY ACCOUNT DETAILS THAT CLEARLY SHOWS EDELIVERY AND THEY SAID THEY MAILED THIS DURING COVID WHEN MAIL IS DELAYED. NOT FIRST TIME THEY CLAIM THEY MAILED NOTICE AND DID NOT RECIEVE.

Company response to consumer: Closed with explanation