BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: SC
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 requested multiple times the deletions of the following items on my credit report because of inaccuracies and missing information : XXXX Account # : XXXX Balance : {$410.00} XXXX XXXX Account # : XXXX Balance : {$1000.00} XXXX XXXX  Account # : XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$520.00} XXXX XXXX Account # : XXXX Balance : {$0.00} MEDICAL ACCOUNT ( 2 ) Account # : XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$3800.00} My rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus regarding my disputes and I have sent dispute letters for more than a YEAR at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. While living overseas my passport was stolen and several accounts were opened in my name. I disputed this information directly with the bank and credit reporting agency and my name is still associated with these fraudulent accounts. I was told by the bank to call the bank and report the account as fraudulent and that I would receive an identity theft packet in the mail/email. This was about six months ago and I never heard anything after I called. XXXX is still reporting an account from Bank of America which was not opened or used by me.

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 2020-10-21
Company: Experian Information Solutions 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:
I contacted experian, XXXX and XXXX about false information being placed on my credit report I have asked these companies to conduct a investigation on this information they have in the system because its not me I have brought it to attention that the addresses and names they have in the system or not my name or address so please remove it off my credit report instead of conducting a Actual investigation the agent already said no its you there are just errors with spelling but its you without investing the matter at all so basically they asked me for the spelling of my name and address and put this on my credit report I extremely upset and I want this removed of my record this damaging and fake information is what destroys people lives

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/2019 : Balance paid-in-full. 
XX/XX/2019 : In Great Standing XX/XX/2019 : XXXX balance XX/XX/2019 the account showing balance of {$570.00} XX/XX/XXXX : All Credit Reproting Agencies need to update my credit report to show XXXX balance = XXXX ; paid in full ; in good standing. Never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: WV
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 disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency XXXX which also cancelled contract. I paid XXXX in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: HYUNDAI CAPITAL AMERICA
State: MN
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:
In XXXX was leasing a XXXX XXXX XXXX XXXX XXXX. On XXXX, XXXX I made a lease payment of {$3300.00} which posted to my account. The intent was to pre-pay 6 months of payments, XX/XX/XXXX I was contacted by XXXX XXXX a salesman at the Hyundai dealership located in XXXX XXXX, Minnesota offering to get me out of my lease on a XXXX XXXX XXXX XXXX XXXX and replacing my vehicle with a XXXX XXXX under a new finance offer of 0 % financing and 3 months deferred payments. I clearly understood the terms. On XX/XX/XXXX I agreed to the terminating the lease and purchasing and financing of the XXXX XXXX. The XXXX XXXX XXXX dealership said I needed to talk with Hyundai Finance USA in regards to the refund of my {$3300.00}. It took until XX/XX/XXXX for XXXX XXXX XXXX account to reflect a closed account. I was told by the finance service rep that the refund and a monthly payment refund should be processed " soon ''. As of today, XX/XX/XXXX. I have talked to 7 finance representatives, XXXX on XX/XX/XXXX, XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. All of these reps made notes in my file. I know this because I would insist they read them while I was on the phone with them. 
Some of them said they were a supervisor only to be told that they would send an email to the finance department in regards to my account. They were all very thorough but said the email was all they could do. I've asked to talk to someone in finance but they said emails from the rep was the only way to communicate with that department. As of XXXX XXXX XXXX, the rep quoted from the notes in my account that I am still owed {$550.00} plus {$2100.00} a total of {$2700.00}. 
I really need this money to make the future payments on the XXXX XXXX. I thought this would be an unquestioned situation.

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 2023-07-11
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX, XXXX XXXX XXXX Balance Owed : {$1900.00}, XXXX XXXX Balance Owed : {$4500.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$690.00}, XXXX XXXX XXXX Balance Owed : {$11000.00}, XXXX XXXX  XXXX XX/XX/2022

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 2018-10-02
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a XXXX 's XXXX card with ~8 years of credit history with a limit of {$3000.00}. I also have two other credit cards with a limit of XXXX {$40000.00}. I also carry a mortgage. I made a purchase of {$130.00} on XX/XX/18 at XXXX XXXX in downtown XXXX XXXX  using my XXXX XXXX XXXX card, however apparently using the XXXX XXXX XXXX card IN a XXXX 's store does not utilize any of the XXXX XXXX, but rather utilizes a store credit account ( of which there is no choice to utilize the XXXX only, and not the store account ). 

My limit for this account is apparently {$100.00}. I rarely use the XXXX card due to the terrible customer service and previous problems with delayed autopay from XXXX XXXX, and anticipated my credit limit was {$3000.00} as with the XXXX Of course, with my {$130.00} purchase, I went over my {$100.00} limit. My credit score dropped 30 points overnight as a result. XXXX 's solution is solely to increase my credit limit above {$100.00} for this account, and had no solution for credit issues, or why my limit was {$100.00} when I have well over {$40000.00} in limits elsewhere.

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 2023-01-09
Company: EQUIFAX, 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 am writing to you regarding discrepancies i have found on my credit report. I am disputing the following accounts on my credit report with Equifax, I have circled the items I dispute on the attached copy of my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that the items be removed immediately as those accounts is not mine. Enclosed are copies of my Social Security card, Driver 's License, Most recent Credit card statement, prove of address etc. please investigate this matter and delete the disputed items as soon as possible. thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, This letter is a formal complaint that you are reporting inaccurate credit information. The report I received published by your company contains a series of items that should not be on my profile. The accounts in question are listed below. Please send me copies of the documents that you used prior to reporting these items on my credit profile to verify the accuracy and legitimacy of the accounts listed below. 

I called and spoke with a representative of your company last month and questioned these items. The representative told me the items had been verified but could not provide me with any information on what documentation had been submitted by the companies that proved that it was accurate before you reported these accounts. She only repeated that I had to contact the companies directly. The information youre reporting is not what other bureaus are reporting. How do you know your information is correct? It is the responsibility of EXPERIAN to ensure that the information being reported is accurate and factual. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately and all negatives effects that have impacted my credit. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my credit worthiness.

Under the FCRA 15 U.S.C. 1681i, ALL UNVERIFIED accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

The following accounts are being reported and must be verified or deleted as soon as possible : XXXX XXXX XXXX XXXX OPENED XXXX {$490.00} ACCT # XXXX XXXX XXXX XXXX OPENED XXXX {$1000.00} ACCT # XXXX Thank you for your cooperation in and prompt response in resolving this matter. 



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 2018-05-09
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I moved out of a apartment and XXXX XXXX aka XXXX XXXX XXXX put lies on my credit I sent all rent receipts, lease, notices etc to prove and had a attorney send a demand letter with court supporting documents showing I don't own and Hunter and Warfield refuse to remove account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On Yesterday, I received a response from Transunion about these unauthorized inquiries. They stated that the inquiries will fall off in two years, but in my complaint I asked that these inquiries be properly investigated and I also wanted to receive a copy of proof of how these inquiries were verified. I never received proof of verification of these inquiries therefore they should be removed from my credit report. I never gave these companies permission to view my credit report. I 'm also aware that according to my FCRA rights, inaccurate information is n't allowed to be on my credit report. I DEMAND that these inquiries are REMOVED immediately. The inquiries are : 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 2017-12-19
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. While living overseas my passport was stolen and several accounts were opened in my name. I disputed this information directly with the bank and credit reporting agency and my name is still associated with these fraudulent accounts. I was told by the bank to call the bank and report the account as fraudulent and that I would receive an identity theft packet in the mail/email. This was about six months ago and I never heard anything after I called. XXXX is still reporting an account from XXXX XXXX XXXX which was not opened or used by me.

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 2022-03-02
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted on XX/XX/XXXX from XXXXXXXX XXXX XXXX regarding a debt Victoria Secret said I owed. The debt had been paid on in either late XXXX or early XXXX. They said they would dispute the balance. Since they were calling my workline I asked them not call it again and use only my cell phone. 

They contacted me again today on work number and then attempted to collect the bill. I reiterated that the bill had been paid and why they were calling this number. The rep ( XXXX ) stated that she had no record of being told not to call my work phone and proceeded to try and collect the debt. I asked to with her manager ( XXXX ) who said they would put the note on their not call this number again and put the debt back in dispute.

They still continue to contact me over a non-owed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had called into customer service in XX/XX/XXXX because my grace period was over and applied for the income based repayment plan. I was told that I should consolidate my loans together so that I would have better option of paying off. This customer service agent did NOT educate me on what that meant and had me consolidate. When I called in again to apply for public service loan forgiveness a different represantative told me that had I NOT consolidated that my loans could've been forgiven as I had worked in a qualifying employer since XXXX. I wasn't told that once I consolidated none of that was possible. I have called in numerous times since then and customer service agents all tell me something different. I am very frustrated and just want to know why I can't get my loans forgiven when I qualified for them, instead they want me to start all over from XX/XX/XXXX on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: NAVY FEDERAL CREDIT UNION
State: DC
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 sent letters to the Navy Federal CEO XXXX XXXX and the XXXX department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I sent emails directly to the Navy Federal CEO, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. 

I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX  in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an email from someone at Bank of America saying I have to call to confirm who I am. I refuse. I don't know who that person is and if they are really a BoA employee ( the message was not sent through the BoA website, or a secure email system where I can verify it is from Bank of America. 


Please understand all communications are monitored and on the advice of counsel, I am able to refuse requests to speak on the phone ( too much miscommunication happens, please see the numerous complaints I have against this " bank '' ).

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 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: Immediate Credit Recovery
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Since XXXX I have been trying to settle a debt that the college says I owe. There was a glitch in THEIR system ( I have emails of them admitting error to the errors ). They issued my my student refund before settling my book store account, which came to about {$1200.00}. The college refused to give me my transcripts. I have since had a no asset bankruptcy discharged ( XXXX ) and this debt was listed and discharged as well. They also sold this debt to a collection agency, a couple of months after being notified of the filing and discharge. The same collection agency states that they did see that this debt was included in the bankruptcy and sent a request to the university that I be given my transcripts. However, the college is still requesting the balance from me before I receive my transcripts. It is ILLEGAL to attempt to collect on a debt that was discharged in a bankruptcy proceeding. The college attempted to tell me that the debt could not be discharged because I took out a student loan. However my student loan provider is in the process of discharging this loan due to the negligence and mishandling of student loan funds by the college in my case. The fact that I am unable to pursue a higher education ( which the same colleges should want ) at another university due to this college negligence is causing me a great deal of mental and emotional distress.

Company response to consumer: Closed with explanation