BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Please be advised that after numerous phone calls to Nissan Motor Acceptance Company and Infiniti Financial Services requesting that they cease phone call to my place of employment, they continue to call. 

Due to COVID 19 workplace restrictions, I am not at liberty to provide you with the specific dates and times that I have contacted Nissan Finance and Infiniti Financial Services as my call log notes are in my office and I am not able to enter the building until the Governor for the State of California lifts the stay, however I made my initial request early in XXXX and have called 3 or 4 times since only to be told by customer services reps that they " don't see my work number in their system ''. 

I have multiple voicemails records on my office line that I can provide to you for proof ( via screenshot, if necessary ), but the most recent calls/voicemails were made to my office on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: AES/PHEAA
State: MD
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:
This complaint is in regards to old student loans from FedLoan through the gov FAFSA program. FedLoan refuses to remove OLD negative credit reporting and late payments from my credit report, causing severely damaged credit score and also leading to bankruptcy.

Because of this i can not get approved for a credit card or for my first home purchase. Legally FedLoan is supposed to remove everything on my credit report that is more than seven ( 7 ) years old. The FedLoan student loan dates i'm referring to are from XXXX, XXXX and XXXX. We are now in the end of XXXX, approaching XXXX. There are over 20 late payments still reflected on my credit report causing my score to be low. FedLoan refuses to remove these old accounts. They are still reporting to ALL three major credit bureau 's ( XXXX, XXXX, and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting that I am 30 days late for XX/XX/2018. I have never been 30 days late ever. I reported a dispute thru the credit agencies and it came back with no change. I then contacted XXXX XXXX XXXX and the representative said that they were very busy and would review my account and get back to me. I asked to have my payment history sent to me with a letter stating never 30 days late and they refused. They said to just file another dispute with the credit agencies and they would get to it when it was in for review. So I did submit another dispute and they still have not updated it. I have never been 30 days late. This is unacceptable and it is a defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to the Corvid19 I had contact Suntrust Bank to request to have my payments deferred, they allowed 60 days with no payments but the balance will accrued interest, I find that ridiculous with the issue that we are facing in our nation that they will keep charging interest, this will make my balance higher for something that's not the consumers fault, they will waive late fees but not interest.

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 2020-07-07
Company: EQUIFAX, 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 have sent multiple letters and complained to the CFPB once prior, this is my second attempt w/ CFPB and I have sent 4 dispute letters to the bureaus in regards to accounts that are not mine. The bureaus have provided ZERO evidence showing that the accounts were opened up by me. These are not my accounts and I am tired of this nonsense. These accounts have not come off my report .... 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX There are also inquiries on my credit report that are not mine, you will see in the attatched documents all the legal information and documentation that has been sent to Equifax, XXXX, and XXXX. I am hoping that this doesnt become a legal matter. I have a legal team ready to protect my rights as a consumer and if this doesnt get resolved quick I will have to become litigious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
It was agreed that Synchrony Bank would send me a courtesy email 30 days before the promotional period would end allowing me to pay off the balance before the promotional period end to avid the interest accumulated. They did not send the email. As I explained, I do not have access to view the statements online because of limited internet service in my area.They added over {$600.00} in interest on an account I have been faithfully paying.

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 2020-09-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
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:
Reviewing my credit report and noticed that there was an account that does not belong to me and need it removed from my credit report. I am a victim of fraud and this is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
Account : TOYOTA MOTOR CREDIT, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Easy Finance, LLC
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'm getting several loan and credit card statements saying I've opened all these accounts and it's not me. 
XXXX XXXX XXXX Application # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Stepstone Credit- date XXXX - {$200.00} approved XXXX XXXX XXXX- XXXX account XXXX ending XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX Approved XXXX XXXX XXXX- Account number XXXX $ XXXX approved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
CFPB, you all are supposed to assist especially if the credit bureaus are not doing their jobs and I am not understanding. This is my 3rd time asking for assistance with my credit and no one is responding back to me nor investigating my disputes.. The below items does not belong to me and I am trying my best to try and buy me a house but this negative debt is hindering me. Can you all investigate these items and either provide proof of my signature or delete them. Thank you. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXXXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas 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 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 notified Transunion that I am a victim of identity theft. I did send all supporting documentation.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: IL
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 fcra, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. I did not authorize or acknowledge any of the inquiries listed below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Has violated my rights. 15 u.s.c. 1681 section 602 ( a ) states I have a right to privacy. 15 u.s.c.1681section 604 ( a ) section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 15 u.s.c.1681 c ( 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 7 years. XXXXu.s.c.1681 c-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person 's 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 2020-11-23
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Back in XXXX I had fraud occur on my Chime account. Ive previously had this issue in early XXXX and even in XXXX and chime didnt find in my favor so I asked for a block to be placed on my account for a the XXXX XXXX company because I do not have an account with XXXX XXXX and I was tired of my funds being randomly debited. Fast forward to XXXX and another $ XXXX is removed from my account this time is much more than the previous and again Chime response is there was no error. Now Im out over $ XXXX and chime is telling me its not their problem. I was told I would have zero liability with card yet from what I can see so far Im the only person paying and as a single mother of two I cant afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2019-10-29
Company: EQUIFAX, 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:
Theses account where open all around the same time i have file many disputes but nothing has changed i have a big problem with identity theft which the company is aware of I have attached proof that other credit company have removed the accounts XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Balance {$23000.00} XXXX XXXX XXXX, XXXX {$36000.00} XXXX  XXXX XXXX, XXXX {$36000.00} XXXX XXXX XXXX, XXXX {$33000.00} XXXX   XXXX XXXX, XXXX | XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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 was a victim of identity theft i have accounts that are on my credit report that was not opened 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 2019-02-22
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover card closed my account because my credit utilization on my other credit cards reached % 50, my accounts are in good standing. I do not have any late payment or missed payments from my other creditors, i do not owe discover card a dime, i've been a customer for years but my account was closed without noticed, i called them to ask why and they said my credit utilization has reached % 50, like Really just % 50, the painful part was that i do not owe them or have a debt on the account but they where judging me base on what my utilization with other lenders was, i told them i will like to close my checking account but they where giving me a run around not wanting me to close my checking account then i asked a question, non of them have been able to answer yet, if you cant trust me with your money why should i trust you with mine? ... ... ... Discover card sucks!!!!! the same day they closed my account XXXX XXXX incress my card limit by {$2000.00} base on the same credit utilization ... ... ... i'm closing my checking account with discover card and never going to have anything to do with them, I'll suggest you all do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: MI
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:
From CFPB Complaint ID : XXXX XX/XX/2023 it said the hard inquiry from XXXX would be deleted from my Equifax credit file. XXXX from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Fair Credit Reporting act XXXX Account # XXXX, has violatied my rights. 15 U.S. C. 1681 section 602 A. States I have the right to privarcy 15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out instrutions.

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 2021-06-28
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am being charged two taxes on my escrow account for my home mortgage. Only one of the Tax accounts belongs to me, the other should be removed. 

I began calling about this issue in XX/XX/2021 and was told the issue would be taken care of by the tax department, I called back on XX/XX/2021 was told the issue was resolved and should appear corrected in my next statement. Called back in XX/XX/2021 and was told it was being escalated to call back on another date to confirm it was removed. Called again on XX/XX/XXXX extremely upset because it has still not been removed, was put on hold and the call was disconnected after 20 minutes! called back again was transferred to a young woman who seemed to understand the issue and told me she would personally follow up and make sure the issue was finally correct and she took down my information so she could call me back once the problem was resolved. Today on XXXX XXXX I have called again was on the line with a representative when he told me he would place me on a brief hold to discuss with another representative, again after 25 minutes the call was dropped again and I never received a callback. I called back an hour later and spoke to XXXX who again told me he would be opening up a ticket with the tax department because they are the only ones who can correct this issue and he would be contacting me once correct. 

I have been given the run around for over 5 months and it seems like AmeriHome can careless about correcting these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have contact Experian several times regarding an account XXXX on my credit file. Experian continues to report an account that this company has told them to delete. XXXX has even sent notice through CFPB stating the following yet Experian has not removed this account from my credit file..From XXXX  " We have previously responded to a complaint from this consumer under complaint number XXXX. We have already requested that this matter be deleted and removed from the consumer 's credit and this can be verified with the credit bureaus directly. 3rd party applications and services that supply this information to consumers may not be fully updated, so you will want to contact the credit bureaus directly if you are still seeing them listed there ... I am continuing to see XXXX open my credit file and it needs to be deleted immediately. Experian is in violation and I will be forced to take legal action if this account from XXXX is not removed.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After review of my credit report I sent for a dispute on inaccurate information to XXXX, XXXX, and Transunion. It has been over 30 days and I have not received any response. 

Transunion is reporting the following incorrect information : Incorrect Name : XXXX, XXXX, XXXX & XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX XXXX is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX  CT XXXX XXXX, GA XXXX Incorrect Employer : XXXX XXXX is XXXX the following incorrect information : Incorrect Name : XXXX XXXX XXXX Incorrect XXXX : XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, OH XXXX Incorrect Employer : 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 2020-10-19
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 was a victim of identity theft i have accounts that are on my credit report that was not opened 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 2017-08-11
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Received letter in mail from Citi bank stating that I may have been previously enrolled in credit protection for which I was charged a monthly fee. I did not consent to this program. Called number given on letter and was told to make complaint on line. I have a Customer Reference number Citi Bank sent. It is XXXX Account ending in 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 2020-09-07
Company: Bridgecrest Acceptance Corporation
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I bought a car in 2018 from BridgeCrest XXXX in Florida. They charged me a rate of 24.9 % knowing I couldnt afford it. I know Florida law is 19 % they allowed the other party to Modify the Loan with just her signature and not mine when my name was printed on the bottom where I was supposed to have signed. I told them not to modify the loan. The vehicle Went to repossession and they did not send any notice to me about it to the new address I provided them. They intentionally sent it to a previous address. I had no idea that the car was actually repossessed or that it was sold at auction. My credit score is  harmed because of a predatory lender and I need help.

Company response to consumer: Closed with explanation