BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: CO
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:
I have contacted Experian multiple times asking for validation of debt by on XXXX XXXX. I have not received validation from XXXX or Experian. Experian continues to post the data, even though it is a clear violation of US HIPPA laws and fair debt collection practices. 

In a previous complaint with the CFPB I request that Experian directly provide the validation as I have not received it from XXXX XXXX, and they did not do so. 

I have asked multiple times of multiple parties involved the following : 1. Justification of the claimed amounts, including itemized invoices and receipts 2. Explanation of how you calculated the amount owed 3. The identity of the original creditor 4. Proof that the Statute of Limitations has not expired on this account. 5. Proof that you are licensed to collect debt in my state. 6. Your license numbers and registration agent, or agent of service. 7. Any and all proof that you are following all HIPPA laws as you are a medical debt collector.

I have yet to receive any of up but Experian resolves the dispute as information stands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, 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:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: MN
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 recently disputed negative items on my credit report and didn't get a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XXXX I got a XXXX XXXX credit card XXXX credit limit XXXX. ) In XXXX I became ill and my daughter moved me from XXXX, Oh to XXXX, Oh at which time the hardship kept me from paying my debt. XXXX XXXX sent it to collection ( I am XXXX and on social security ) They say I owe {$2900.00} and I get late payment reports to the credit bureaus. I called the collection agency and they said they would close the account due to hardship. But it still goes on and on reporting me late to the credit bureaus.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2022-08-05
Company: Early Warning Services, LLC
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:
Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 15 usc 1681b ( 2 ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( 4 ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: FL
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. 

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  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 explanation
Consumer complaint received 2020-09-22
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Barclaycredit card misled me to believe that I do not have any minimum payment to be paid. My date for minimum payment was XXXX XXXX, 2020 ; I paid extra of {$200.00} on XX/XX/2020 whereby it covered the XX/XX/2020 minimum payment of {$29.00} ; Days before my minimum payment due ( XX/XX/2020 ) my online account displays that I do not have a minimum payment due. But on XX/XX/2020, an alert trigger that I did not pay my minimum payment of {$29.00} dated XX/XX/2020. The credit card company charged me a late fee and the worst part of it all, it will show in my credit report that I have a late payment on this card. This company is a fraud. Heartless. They make their system in such a way they can get you to be charged with fees. 
Please help me make sure that the late payment dated XX/XX/2020 will not show in my credit report. I am in the process of acquiring a house. This will ruin my application definitely. I will close this account when those fees are reversed come XX/XX/2020.

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 2020-09-22
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello : I have experienced a number of problems with Hyundai Finance. Sometime in XX/XX/XXXX, I leased a vehicle from a XXXX  dealer in XXXX, Florida and financed the lease through Hyundai Finance. 

When the COVID-19 pandemic occurred, I was impacted financially. Immediately, I informed Hyundai Finance and was told I was on a Deferment Program. After XX/XX/XXXX, it became almost impossible to get in contact with anyone in Hyundai Finance because Hyundai Finance has a recorded message that states " customer service is unable to take your call due to an overwhelming amount of calls received due to the COVID-19 pandemic. '' For that reason, I was unable to get in contact with anyone prior to the payment due date. 

Today I learn that I have three late fees assessed totally {$54.00} to my account as follows : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I was told by a customer service representative today, that the reason for my late fees are being charged because I paid the monthly installments late ( past the 10 day grace payment period ). However, I checked my records and note that Hyundai Finance payment information is incorrect. I confirmation number of my payments being made within 6 days from my payment grace period. The XX/XX/XXXX payment was made on XX/XX/XXXX ( Confirmation Number is XXXX ) and the XX/XX/XXXX payment was made on XX/XX/XXXX ( Confirmation Number XXXX ). I explained this situation to the Hyundai Finance Supervisor, XXXX XXXX, and despite the evidence of payments and payment due dates, I was told that there isn't anything Hyundai Finance can do to correct it and that I have to pay the late fees even if its THEIR system error. 

It is evident that this is consumer FRAUD and its deceptive practice. I request that a complaint and investigation be initiated and corrected as soon as possible. 

Thank you.

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 2020-09-22
Company: Navient Solutions, LLC.
State: TN
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:
US DEPT ED XXXX USDOE/XXXX  XXXX These accounts are reporting IN ERROR on my credit report and i have requested for an investigation into this matter and there has still been no resolution. Please help me. I am trying to purchase a home and this is a huge problem thats stopping me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/20, I received an email from XXXX  that my credit scored with Equifax had been reduced by 30 points. When I accessed Equifax, my entire auto loan with XXXX  had been removed and identified as paid. I submitted 4 emails and proof of the reporting to XXXX and asked them to fix this immediately because I am in the middle of a mortgage purchase. I received 4 automated responses to my emails. I finally called XXXX and the representative stated that " the credit bureaus are not telling me the truth, that they have NO reason to report my account as closed ''. I asked to speak to a manager but none were available so they sent me to a " consumer help line '' who told me that " this is a KNOWN problem and that it will take 45 days to update the reporting ''. Why is it that they are allowed to negatively effect my credit, which will DEFINITELY stop me from purchasing a home because the drop in my score will effect my interest rate ; but I have to wait FORTY-FIVE DAYS for them to fix what they XXXX  up? Why do I have to suffer for their mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: LA
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2019-04-19
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AES recently responded to a Response I made on behalf of my initial complaint. AES again failed to exercise any proof that my claims are invalid. Instead, many assertions were made by them which seem to overshadow their stance on any assertion. The examples they provided are not satisfactory enough to prove that AES didn't do anything wrong, but in fact makes them even more suspicious while they quickly defend themselves without showing hardcore evidence proving their innocence. Payments will be made by the week of XX/XX/XXXX to be caught up with all payments past due and due by the end of the month. While it is absolutely a borrower 's responsibility to cooperate with paying down their Student Loan balance, I also feel that AES owes every single borrower an explanation when it comes to the online claims through Articles, and the likes that they are far from innocent. In addition, one can only conjure up what really goes on behind closed doors at this place given the recent Education Scandal. How many Celebrities have delivered bribes to AES, I wonder? Believe it or not, there are many co-conspirators in society today, and any Fortune 500 company as well as other financial companies are no stranger to that ugliness. 

AES should re-examine all positions within the company and should remove positions that have no meaning or purpose, which I would say is about 99 % of the executive staff. Let 's face it EXECS, none of you do any actual work. As far as the moral population goes, you all like to freeload. Wasting turns to lying, and then lying turns to cheating. Cheating eventually turns to breaking the law. I'd be willing to bet many of you belong in jail. XXXX has a close eye on you. 

Feel free to think about that while I do my own detective work. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Bank Of America in XX/XX/2019. Pursuant to 15 USC 1635 Congress states that ANY consumer credit transaction in which a security interest was retain has the right to rescind the transaction and as well keep the car ( in this case ) and get their down payment back if its equitable to the consumer. It is equitable to me to keep the car and get my down payment back. Pursuant to 15 USC 1611 and 15 USC 1640 failing to disclose this information makes Bank of America criminally and civilly liable for this violation

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 2023-03-12
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have requested an investigation of some account reporting on my credit file but it's been almost a year and no evidence or communication that these accounts have ever been disputed for the credit reporting agency. I've sent in disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, really every month until this current month and year XX/XX/XXXX with no action on the CRA 's part to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i tried to get a car from XXXX this came with 20 inquires that i did not approve of. i ask for my credit to be pulled only for 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 2023-04-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i tried to get a car from XXXX. this came with 20 inquires that i did not approve of. i ask for my credit to be pulled only for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
There is a fraud charge on my citi XXXX Visa card in the amount of {$3200.00} from simplex. I called Citi several times and they are still no help. There was two fraud charges from simplex on my account but the one they refunded me on, the other fraud charge they are refusing too even though both are fraud and Ive told them that several times.

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 2023-04-23
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:
I am interested in processing disputes on my credit report for experian to delete all inaccurate information on my credit report asap. please review an delete all incorrect data listed to help my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Many times I've expressed concern about identity theft. Within 4 business days, you must remove/block any items that was opened without my knowledge, consent, or authority by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance Owed : {$8700.00} ; XXXX XXXXXXXX Balance Owed : {$920.00}.

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 non-monetary relief
Consumer complaint received 2019-11-04
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I recently checked my credit score/report and noticed an open account from synchrony/ pay pal ( sync/ppc ) with a total amount of XXXX dollars. This is not my account. I called the company and filed for fraud/resolution.

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 2023-04-23
Company: Experian Information Solutions Inc.
State: GA
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:
There 16 inquires on my credit report I don't recognize. I'm a potential. victim of credit fraud therefore my credit has been promised. Please delete from my credit report.

16inquiries These lenders have accessed your credit 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief