BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit report showed me a hard inquiry made on XX/XX/2019 in XXXX, FL that drop my credit scores and I never been in XXXX or the following company. 

The information I have from the company is this : - SYNCB XXXX, FL XXXX. 
XXXX XXXX XXXX/ XXXX XXXX : Theres not available number I can contact the company or someone who can tell me any information of what or who made this credit request to the mentioned above. 

Hope this can be solved as soon as posible because Ive been working really hard to fix my credit. 
Thanks.

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 2020-06-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
An account appeared on my credit report in XX/XX/2020, for a car that I did not purchase. So far 3 payments have been missed and my credit has been damaged. 

A woman with a similar name to mine purchased a new Nissan XXXX 2020 from the XXXX XXXX Nissan Dealer ( California ), using my name and SS #, for {$40000.00}. 
I found out when it appeared in my credit report, which is damaged already by this. 

The Nissan Dealer said it's not their problem and washed their hands. 

Nissan Finance requested that I file a police report, which I did with the XXXX XXXX Sheriff Department ( where I live ), in order to send me a " Fraud Package ''. I filed a police report, gave Nissan Finance the case #, and requested the Fraud Package 4 times, and the package never arrived. Nissan refuses to send the package thru a different method and refuses to take the vehicle off my record. 

This is seriously damaging my financial record that was impeccable before this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Bison Recovery Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have received several calls from XXXX with BRG. She informed me that it was for my XXXX XXXX account. As the call started she was very rude, she then began to harass me and ask " why have n't you made any payments, I mean you have n't paid in MONTHS '' in a very demeaning tone. I then ended the call. She then called my work phone and tried to get a response from me while I was at work. I called back and informed them that they have no business calling my work. She then called a friend who was a reference on the loan but in the voicemail she stated that it was an attempt to collect a debt which they are not legally supposed to disclose. After that she then called my sisters, husbands parents in which I do n't even know so they called my sister and told her that I am being sued and this lady XXXX keeps leaving voicemails stating that it is pre-legal and attempt to collect debt. Once again breaking the law disclosing personal information to people I do n't even know. I then got a call from her supervisor XXXX who wanted to follow up on a phone call that XXXX had with me. He was just as rude and said some people get loans and never intend on paying them. Most people will do good and pay their stuff but some do n't. I informed him of the calls that XXXX had been making and informed him I was waiting on hearing back from a lawyer as I read up on my rights. I informed him that XXXX was very rude, he then replied we are n't in customer service we are debt collectors we are n't here to baby people. So I ended the call and have not heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Navient Solutions, LLC.
State: DC
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 have XXXX XXXX XXXX XXXX, which are currently serviced by Navient ( approx 5 years with Navient ). When I learned about the CARES act, I called, confirmed it applied to my loans, and got my early XXXX payment refunded. My Navient " dashboard '' currently reads that the interest is 0 % and that I do not owe a payment. 
However, on XX/XX/XXXX I received an email that I had an Inbox message. This is different than normal correspondence with Navient, which usually is just an email saying the amount due. I logged into my account, which still says I don't owe anything and there is a 0 % interest payment. However, the inbox message says the following ( while still saying, at the bottom, that the rate is 0 % ). On XX/XX/XXXX, I called Navient who said my interest is not accruing and that my loans are covered by the XXXX XXXX, but could not explain why the letter was sent to me - they said the president required the letter, but could not explain why it would contain inaccurate information. 
I know that many borrowers would read this as a statement and pay the money thinking that it will continue to accrue. Although I don't know of anyone else who received one, the person I spoke with said " everyone '' got a letter, but didn't seem to understand the letter I received today, and seemed to be referring to the general CARES Act email that was sent in early XXXX. 
MY NAME, interest is accruing while your student loan payments are postponed. Pay a little now and save a lot later. 
We want you to be aware that interest accrues during the forbearance period on your loans. If the interest is not paid as it accrues, it may be capitalized ( added to your principal balance ). 
Remember, you can shorten or cancel your forbearance period at any time. 
Heres the Unpaid Principal and the Unpaid Interest that has accrued as of XX/XX/XXXX : Unpaid Principal : {$39000.00} Unpaid Interest : {$47.00} Current Balance ( Total ) : {$39000.00} Remember : Youre obligated to repay your loans after periods of forbearance expire in accordance with the terms of your Promissory Notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
To whom this may concern, to the creditors at Pull my credit to inquire inquries on my report. I would like for 7 or more inquiries to be removed from my report based on a decrease in credit score.These creditors have been contacted and notified of matter that is being reported to this bureau. Only a soft pull was instructed, not a hard pull. 

Thank you for resolving this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I spoke with XXXX XXXX XXXX in regards to a collection account they were handling for XXXX XXXX. The representative said they would accept {$220.00} as payment in full, I paid the {$220.00} over the phone and it has been taken from my account. They are still reporting that I owe the remaining balance of {$110.00} to all 3 credit bureaus and will not report this as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I pulled my credit report and saw Monterey Financial Services as a collection on my report. I sent them a debt verification letter asking them to provide me with the following proof of debt and that they are allowed to collect : 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he promises to pay the creditor. 3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
On XXXX I received a letter from them that did not include verification of the debt I requested. So I sent a 2nd request to them on XX/XX/XXXX requesting the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
On XX/XX/XXXX their collections representative XXXX XXXX sent me back another letter saying they will cease contact with me and would communicate with my attorney only. I never requested to cease contact, I asked that they provide me proof of debt amount and that they can collect on it which is my right which they refuse to send. 

At this point they are refusing to show proof of who they are and that they can collect. And they are reporting to the credit bureaus that this is a defaulted account which they have not proven the amount on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions 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 need to file a dispute on Experian Credit reporting agencies this is My 3rd and Final written Request to Experian Before taking Legal action on this Company. I have asked them for Physical Proof of disputed items on my credit report but they fail to respond to my Request! This is a clear Violation of the FCRA. They keep saying that they have CERTIFIED verified these accounts with the creditors But they are not sending me any of the information that I have asked them to send me such as the ( ORIGINAL CREDIT APPLICATION WITH MY SIGNATURE ATTACHED TO THAT APPLICATION ( FCRA 609 609 ( a ) ( 1 ) ( a ) I WOULD THINK THE CREDITORS WOULD HAVE THIS INFO TO GIVE TO EXPERIAN IF THEY CLAIM THAT THEY HAVE CERTIFIED THE ACCOUNTS IN THEIR INVESTIGATION THIS IS THE INFORMATION I NEED DURING THIS DISPUTE PROCESS FROM EXPERIAN! THEN I GET ANOTHER LETTER FROM EXPERIAN SAYING THAT THEY WILL NOT DISPUTE THE ACCOUNS ANYMORE UNLESS I HAVE SUPPORTING DOCUMENETS WHICH CONFUSING ME AND THIS IS WHY IM ASKING EXPERIAN FOR THE SIGN CONTRACT! BUT SEEMS TO ME AS EXPERIAN IS NOT DISPUTING THESE ACCOUNT THAT I HAVE ASKED THEM TO WITH THE CONFUSING RUN AROUND THAT THEY ARE GIVING I NEED THE CREDIT APPLICATION WITH MY SIGNTURE ATTACHED TO PROVE THAT THESE ACCOUNTS HAVE BEEN VERIFIED AND DISPUTED ACCORDINGLY. THIS WILL BE MY FINAL TIME ASKING FOR THE ORIGINAL SIGNED CREDIT APPLICATION BEFORE TAKING LEGAL ACTION I HAVE ALREADY FILE SUIT IN COURT ON EQUIFAX AND I WILL NOT HESITATE TO FILE LAWSUIT ON YOUR COMPANY THIS IS NOT A THREAT ITS THE TRUTH I HAVE ASKED YOU TOO ME TIMES FOR THE INFORMATION LISTED ABOVED BUT YOU WILL NOT REPOND OR DELETE THE INFO THAT I HAVE ASKED for WHICH IS A VIOLATIONS OF THE FCRA. 
Experian I do have supporting documents for the disputed accounts see attached File this is my final and very last time asking for this information or you will see me in court and I will sue you for {$1000.00} per each disputed accounts and credit inquires if you do not send me the sign documents with in the Next 30 days or have these unverified accounts deleted!

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 2022-02-13
Company: Experian Information Solutions 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:
XXXX I sent a Notice of validation of debt pursuant to 15 USC 1692g, asking for the accounting, particularly the balance sheet, showing that I owe this alleged debt. 
XXXX I received a letter from XXXX XXXX XXXX asking me to settle the account without sending me the requested material and validating the alleged debt.

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
You never read my last complaint. You submitted a canned response that was completely incorrect. I will keep failing these until you answer my question.

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 2021-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
there was four transactions, in which i didn't make. i reported them as soon as i found out about them, that was XXXX. the claims dept. was closed so i filed a claim on XX/XX/XXXX. they happened at an atm on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each transaction was for the same amount XXXX dollars. they denied the claim on XX/XX/XXXX. they made a decision in 4 days, 1 of the days was a holliday. they sent me a denial letter stating if i want to reopen the case or if i have more info that could help my claim, to call there claims dept. and i did call, and requested the info they used to make there decision, and to submit a police report. i faxed them a copy of the police report and reopen the claim. they denied me two more times. i have requested the info they used to deny me three different times and they still havent sent to me. The claim number is XXXX XXXX XXXX i have reciepts from faxing the police report to them. i have the denial letters from them. I dont know why they are denying my claim and i dont know what else to do.

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 2020-07-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Upon checking my Equifax credit report, a private student loan through XXXX XXXX XXXX was taken out on my behalf back in XXXX of XXXX. This account has been paid and closed over 5 years ago yet it is still showing as a derogatory account while XXXX shows it as current and due to be removed XX/XX/XXXX. Ive tried disputing this account with Equifax on multiple occasions both electronically and in writing due to inaccurate reporting and statue of limitations, and nothing has been updated. This account should be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Army and Air Force Exchange Service
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already reached out to XXXX XXXX company on numerous occasions and each time they are rude or they hang up in my face and do no not help me at all. 




This is not my debt a family member or a family members friend used my information and opened these accounts in my name and I am suffering because of this. I am not responsible for these charges and I was never affiliated nor in the XXXX or XXXX XXXX. I want these debts released from my name and this cleared. This company has this debt with XXXX XXXX and they have been very rude to me hanging up in my face. I called the company and told a supervisor and nothing has been done. This is not my debt and XXXX and XXXX XXXX called me and told me that they know that this debt was opened up fraudulently and I am still being held liable for this. I want this debt removed from my name completely!

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 2021-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

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 2018-12-05
Company: Experian Information Solutions Inc.
State: ID
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:
there is no sufficient information to support Experian 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , UXXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX   ) XXXX, XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   ) 3396**

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 2023-07-07
Company: Genesis FS Card Services, 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:
None of these banks, I bank with or have an account with! I do not recognize signing up for anything! Or someone used my information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
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:
The following accounts are fraudulent : XXXX XXXX/XXXX- {$1300.00} XXXX XXXX XXXX- {$490.00} XXXX/ XXXX XXXX- XXXX XXXX XXXX {$18000.00} XXXX {$6900.00} XXXX XXXX {$2100.00} XXXX XXXX- {$4400.00} XXXX- {$1100.00} XXXX XXXX XXXX - {$550.00}

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