BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
i have filed a dispute in regard to the incorrect items on my credit report... it has been well over 30 days and i have not received any investigation results

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 2021-09-29
Company: Debt Recovery Solutions, LLC
State: IL
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:
i have filed a dispute in regard to the incorrect items on my credit report... it has been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
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:
Thursday XX/XX/2021 I submitted all of the proper fraud documentation to all 3 credit bureaus, only bureau that took the proper action was XXXX, XXXX and Transunion completely ignored my requests and documentation that was provided.

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 2018-04-24
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a brand new XX/XX/XXXXXXXX XXXX in XX/XX/XXXX. I never had any issues with the vehicle until XX/XX/XXXX of XX/XX/XXXX. While driving to the store my check engine light came on and my engine seized. I brought my car to XXXX XXXX XXXX XXXX to attempt to have the engine covered under my warranty. The service department notified me that it would be covered and my engine would be replaced. At that time I was delighted and glad to have a XXXX product. As the weeks went on, it came to my knowledge that XXXX engines were currently being recalled worldwide for metal in the engine. This sparked millions of people to be bringing their cars in for repair. The engines were coming from XXXX XXXX and due to be shipped. Each week I would call and check on my engine status. Each week I was told a later date until I discovered that the workers in XXXX XXXX were currently on-strike with no return to work date. Any engines would be on backorder until further notice. I was instructed by XXXX that I could rent a car and be reimbursed for the rental fees 90 days after I received my car back which still had no set date. There was no loaner car or way for XXXX to rent me a car in the meantime. I pay a high car payment and can not afford to pay weekly for an undetermined amount of time for a rental car. I also attempted to have my payments lowered or deferred while I was waiting for my engine. Neither of these were options according to XXXX XXXX XXXX. I was offered a two month payment defferment but those payments would be added to the end of my loan term. 

Today, four months without a car and still no eta for the engine, I attempted to trade my car into XXXX and buy another XXXX. This was my absolute last resort as I have no vehicle and am close to losing my job. I was told there was no way they could finance a new car to me due to my credit rating. I was also told once again to get a credit card and charge my rental fees to it. This is not a realistic option. My hands are completely tied with XXXX and they are leaving me no choice but to default on my loan due to not having a vehicle. My car will have to be repossessed and I will not only live with that on my credit report but will still have to pay for the vehicle. I also now need to find a way to purchase another vehicle. 

I have spoke to XXXX XXXX XXXX, XXXX Consumer Affairs, XXXX XXXX XXXX XXXX Sales and XXXX XXXX XXXX XXXX XXXX. I call almost daily and am constantly told there is nothing they can do to assist me in anyway. They have left me without a vehicle and an impending repossession due to no fault of my own. I wish I could continue making my payments but it will not be possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXXXXXX XXXX XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report Enclosed are the following : A copy of my credit report I received from credit bureau. 

The fraudulent items are marked down.XXXX  XXXX XXXX XXXXI C SYSTEM ( Original Creditor : 11 XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX I appreciate your prompt attention to this matter and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at ( XXXX ) OR EMAIL XXXX Sincerely, 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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Dear Sir/Madam, I am writing this letter to bring to your attention a concerning matter regarding my consumer report. It has come to my attention that multiple companies have furnished written-off alleged debts to my consumer report, and by allowing this, you are inadvertently aiding these companies in committing tax fraud. Furthermore, your actions are contributing to the extortion of individuals like myself, as these debts are negatively impacting our financial reputations. 

According to federal laws and regulations, a consumer report is intended to remain equitable and accurate to the individual it represents. However, I have discovered that certain written-off accounts, for which I have never received a 1099-C, are still being reported on my consumer report. These companies have already received compensation on their taxes for these debts, and it is unjust that they are now using my credit report to further their financial gains. 

I hereby request that you take immediate action to remove the following alleged debts from my credit report : XXXX. XXXX : XXXX XXXX. XXXX XXXX  : XXXX XXXX. XXXX : XXXX Additionally, I would like to bring to your attention that neither of the following addresses listed on my credit report belong to me. Please remove them promptly : XXXX ) XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX ) XXXX XXXX  XXXX XXXX XXXX, TX XXXX. 

I expect these entries, as well as the incorrect addresses, to be completely removed from my consumer report within the next four days. Failure to comply with this request will leave me no choice but to pursue legal action against all parties involved. Please note that under federal law, I am entitled to seek damages of {$1000.00} per violation. 

I trust that you will handle this matter with the urgency and attention it deserves. I have enclosed copies of the relevant documentation supporting my claims. Should you require any further information or clarification, please contact me at the provided contact details. 

I look forward to a prompt resolution to this matter. Thank you for your immediate attention to this issue.

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 2023-05-31
Company: Experian Information Solutions Inc.
State: CA
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, XXXX XXXX am a victim of identity theft and effected by the XXXX data breach was checking my credit report and noticed unauthorized accounts and inquiries. 

I have enclosed my screenshots of some of the inaccuracies on my credit report and according to the FCRA my credit report must be 100 % accurate. 

In accordance with the fair reporting act convergent account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2018-12-11
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2018 I started getting phone calls from numbers I did not know, mentioning XXXX  XXXX and " actions '' they would have to take if I didn't call them back. I did not answer because I thought they were scam phone calls. 

In XX/XX/XXXX I was notified that my credit score had gone down, so I checked it, and saw a delinquent account on it. The account shows up as : XXXX/XXXX  # : XXXX XXXX XXXX XXXX XXXX , OH XXXX It appears to have been opened XX/XX/2018 and now has an unpaid balance of {$730.00}. 

I filed an investigation with XXXX XXXX, and they completed the investigation but the results were " VERIFIED AS ACCURATE AND UPDATED. '' I did not open this account and I need it to stop ruining my credit score - which used to be pretty good. I've never had a late payment or delinquent account so this stands out as pretty suspicious on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-18
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I recieved a call from a debt collector XXXX XXXX saying they were going to collect a medical debt from XX/XX/2017. I have not lived in the state of ohio for years and this debt is not mine. They said it was submitted by XXXX XXXX XXXX for a XXXX XXXX ( NOT my dr ) and the address used was for a house that we have not lived at for years. This is a mistake. I emailed the billing department of XXXX XXXX XXXX to try to clarify, but I want this taken off my credit report and they need to remove the debt from my name ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Care Credit did not resolved my complaint about unauthorized charges on my account : 1 ) Unauthorized and unacceptable fees charged to my card by Care Credit Affiliate, " XXXX XXXX  '' ever since I agreed with the dentist to get a 12 months free interest with this company.

2 ) Unauthorized and unacceptable charges made on my accounts on three occasions, XX/XX/XXXX amount of {$450.00} was Charged by XXXX XXXX XXXX  which was not mine and I never authorized or received a service from the XXXX..

XX/XX/XXXX amount of {$1200.00} was charged by XXXX XXXX XXXX XXXX which was not mine and I never authorized or accepted any charges and in fact I never even met XXXX XXXX XXXX  
XX/XX/XXXX amount {$1000.00} was charged by XXXX XXXX XXXX which was never authorized or accepted by me and I never received any services. All these charges have been disputed for almost a year and many phone calls and letters to Care Credit have not resulted a fair outcome. Furthermore I have been charged a late fee charge every month because I am disputing these charges and fees and I don't believe I should pay bills which are not mine.

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 2021-07-23
Company: OneMain Finance Corporation
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a personal loan with this bank for my husband and I under our name and our own socials. In middle of the day I had a complete stranger knock on my door claiming that I had stole his identity and was trying to get a loan. I asked him who gave him my home address and he stated that one main financial did along with my email address, my driver 's license number, MY HOME address and phone number so he can track me down. This man had the same name as my husband and same last 4 digits on his social as mine. So someone at one main financial badly screwed up 2 different people 's information. When we called the bank together, of course they denied everything. They gave my personal information to a complete stranger who showed up at my door, the situation could of went in so many different ways even really bad, luckily it did not and we came to realization that few people at this bank messed up bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
NYSHESC has not provided me with a detailed accounting history of my account, which I demanded in my previous complaint, as well as in my letter to the Governor, which I copied to NYSHESC.

NYSHESC is also continuing to deny that they have illegally overcharged my account in XXXX of XXXX, adding over {$1300.00} to my balance, above and beyond the principal, interest, and $ 1,200+ collection fees, which they did as they concurrenty applied a payment to my account from my garnished XXXX New York State taxes. 

NYSHESC is continuing to refuse my very reasonable settlement offer, which is to pay the full principal balance, plus interest accrued, minus the adjustment of payment applied from my XXXX New York State tax refund. 

I sent NYSHESC and XXXX two 20 pages faxes detailing my offer, and my financial hardship. Rather than work with me after I have so carefully compiled and supplied them with extensive documentation for my case, they choose to blow me off and continue gouging me, adding insult to injury. 

This is the first year I have been in any way shape or form able to begin settling my debts, and I am fighting for my life to get on my feet financially. What I do not appreciate from this predatory and dishonest company is a kick in the face while I'm down. 

I fear that NYSHESC will only continue to illegally add money to my account that I do not owe indefinitely. 

And so at this point, I am consulting with a lawyer, and spending the money I hoped to save for my daughter 's XXXX presents, to avoid a lifetime of indebtedness to a company that exhibits no care or concern to help me settle my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: FL
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: W&A Intermediate Co., LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company by the name of Wakefield and associates is calling me repeatedly and asking for personal information. They refuse to tell me who they are trying to reach or what is owed and seem to be focused on collecting information from me, however i do not have dept as i pay Everything on time. I don't have money problems. They also refuse to send me information by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: SUNTRUST BANKS, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX claims I owe XXXX to Sunturst, this account was closed with numerous overdraft fees charged which are in dispute, Suntrust would not resolve them. The fees in question were charged after an item was returned, a check in the amount of XXXX from XXXX XXXX. XXXX XXXX placed a stop payment on the check in error, the item caused Suntrust account to become overdrawn and fees charged. Stop payment is not my error, however, Suntrust refused to credit fees back. Shortly after account was closed with overdrawn balance, a payment was mailed in form of cashiers check from XXXX XXXX XXXX to Suntrust. It appears it was not received and do not have a copy of check to provide, the account it was drawn from is not mine. My bank is not local and had to use XXXX XXXX for payment, a friend used her account to get cashiers check. It appears Suntrust did not receive check or possibly credited it to incorrect account, I do not know which occurred. I will not pay again, XXXX XXXX XXXX needs to remove account from collections as well as any credit reporting agency.

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 2023-12-12
Company: EQUIFAX, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: FL
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:
My credit report is showing late payments to XXXX XXXX. This payment was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.

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 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
For the past weeks I been calling TRANSUNION WITH NO HELP FROM ANYONE WHO WORKS THERE ON REMOVING THESE INQUIRIES THAT WAS NOT AUTHORIZED! I ALREADY CALLED THEM ABOUT TWO PREVIOUS INQUIRIES MONTHS AGO AND THEY DID NOTHING ABOUT IT AFTER I SENT IN PROOF!! They gave me the run around and neglected everything I said on a recorded line. They said their policy was above the law!!! I spoke with MULTIPLE reps AND THREE SUPERVISORS that was incredibly rude with no understanding and empathy what so ever! 
I did not authorize these inquiries and need them DELETED ASAP! Inquiries listed below. Its like TRANSUNION IS MAKING MONEY OF BAD CREDIT AND NOT HELPING REMOVE INCORRECT DATA!! 

XXXX XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 I provided them all information needed to them and filled they refused to DELETE THE INACCURATE INFORMATION

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 2023-03-20
Company: EQUIFAX, INC.
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation