BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received in mail several letters about opening credit cards in my name that I did not do. There were several including Amex, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX card, XXXX XXXX XXXX. I looked up my XXXX  credit report and found all of these inquirers. I have put a freeze and a fraud alert on my XXXX credit report. I was advised by the XXXX agent to report this to FTC, which web site directed me here. There was also a bank account opened under my name at XXXX XXXX XXXX XXXX. I have contacted them and had that account closed. 

I would like to know if there is anything else I need to do to protect my identify and prevent any future fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
Open loan XX/XX/XXXX amount {$20000.00} XXXX  months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee. 
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due. 
paid the loan on XXXX  months current on XXXX  month therm. loan current every month. 
period XX/XX/XXXX to XX/XX/XXXX current. 
the CoXXXX HUNDAY MOTOR FINANCE report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to XXXX credit agency credit report. XXXX, XXXX and XXXX. The Co. promise of correction nothing came. 
I lost XXXX point for false report from HUNDAY MOTOR FINANCE. 
I contact the Co. on the phone promise of correction to fix the problem. Nothing came. 
I contacted from dispute the XXXX credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX. 
the Co. HUNDAY MOTOR FINANCE return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the XXXX Agency. 
I am current loan pay satisfactory and no charge off delinquency late payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have attempted to make extra payments, increase my monthly payments, and/or have attempted to make interest payments while my loans were deferred. Every time I attempted any of these, I was unable to make the payment or increase the payment amount. When reaching out and calling customer service, I experienced heavy wait times and could not get through to any representative. When I would attempt to make extra payments during my repayment period, I was asked if I was making my next months payment early, which I wasn't. I was never able to make extra payment. They always applied it or told me they would apply it to the next months payment. I have never been able to get ahead on my loans with this organization. Increasing my monthly payment was extremely difficult and was hard to find the correct information online in order to do this. When I called for help, I could not reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These Corporations, XXXX XXXX, TRANSUNION LLC, & XXXX XXXX, TAKE XXXX NOTICE, PERSONS, COLLECTION AGENCIES ( NOT BUREAUS WHICH IS ALSO FALSE MISPRESENTATIONS AS ATTORNEYS ) PAY CLOSE XXXX ATTENTION TO EACHWORD I SAY IN THIS. LETTER TO YOUR BOARD MEMBERS, STAFF, AFFILIATES CEOS CHAIRPERSON S AND ATTORNEYS FOR THESE NON FEDERAL POLICY HOLDERS WHO ARE NOT THE LAWS OF THIS LAND - TO HARM, IMPEDE ANY OR ALL OF THIS ASSUMED AND AFFIRMED FEDERAL RIGHTS WILL BE SUED FOR VIOLATIONS OF MY PROTECTED UNDER FEDERAL AND STATE LAWS THAT PROTECT MY MY PERSONAL CIVIL LIBERTIES UNDER FEDERAL LAW AND GOVERNMENT PROTECTIONS. YOU ARE HEREBY BEING GIVEN PROPER ACTIONS OF NOTICE TO PLEASE CEASE AND DESIST ANY ACTION OF YOUR SORRY- XXXX ATTORNEYS THAT QILL GET YOUR XXXX BEAT IN A FEDERAL COURT OF LAW! 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 I AM HERR TO XXXX WITH YOU, STALL FOR TIME OF PLAY WITH MY NAME!! YOU WILL FIND THERE ARE NO CHILDREN HERE. I WILL NOT WEAP FOR YOU. IF YOU WAN NA TRY IT- FINE. TRY MY PATIENCE. THERE WILL BE NEWSPAPER REPORTERS PRESENT. I AM HERE TO LEAD AN REVOLUTION TO DESTROY YOUR COMPANIES, AND KEEP YOUR XXXX XXXX  IN CHECK OR BREAK YOUR COMPANIES INTO PIECES. I WILL PLOW MY WAY THROUGH YOU BY USING THE FCRA, CFPB, FDCPA AND FEDERAL TRADE COMMISSION TO MAKE YOUR COMPANIES OBSOLETE! THIS IS YOUR LAST WARNINGS!! I the ALLEGED ORIGINAL CONSUMER HAVE MY OWN PHONES! XXXX cell phone is free the newest is paid for by card. The INACCURATE dates disclosed ARE IN FACT INACCURATE VIOLATIONS OF THE FEDERAL FAIR CREDIT REPORTING ACT. FACTA, FDCPA, FEDERAL TRADE COMMISSION. THEY THE XXXX AWAY FROM MY CREDIT FILES OR I WILL THIN YOUR POCKETS!

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 2022-01-28
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:
I acquired a copy of my credit report and discovered the following item ( s ) to be incorrect ; also, the following are in violation of the Fair Credit Reporting Act ( FCRA ).

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 2022-01-27
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
I am disputing the multiple late charges that appear on my credit report. Infractions were no fault of my own. These were all consequences as a result of the XXXX. I made every attempt to pay my debts on time, but the odds were against me. I always kept my accounts in good standing. If you view my payment history, you will discover that I was never late. As a result of the pandemic, My company where I was employed down sized. And as a result of that, my hours changed from full time to part time. This went on for almost a year. I had exhausted all of my savings just to survive. I was behind in my rent constantly. Almost lost my apartment twice. Fortunately, my landlord understood and was very lenient with me. He was struggling also with other tenants. I gave him what little I could spare, but that's all I could do. This was the worse predicament I've ever been in. This virus was affecting millions. I'm sure some of you felt the effects of it. If you didn't, you were just one of the lucky ones. I did not know what my next move would be. I literally prayed which is something I did not do a lot of before. Fortunately, after a year, I got my regular working schedule back. Now I'm just trying to put the pieces back together.I know I have a long way to go.

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 2021-02-03
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a credit card opened and closed in my name on my credit report. I have disputed this with XXXX  XX/XX/XXXX and on XX/XX/XXXX they said it was accurate and left it on my credit score. The company involved I can not contact because I do not have an account with them. Every time I try and call the automated system they ask for information that I do not have because it's not my account. It is a small charge but hurting my credit score. The account was unpaid but because I didn't set it up I never received any calls, emails, or letters letting me know it was delinquent. I would like this account removed please. The company involved is SYNCB/PPC, the account number on the report is XXXX. 
The account was opened on XX/XX/XXXX and closed XX/XX/XXXX according to XXXX. The account was " charged off ''. There number is XXXX. Appreciate any help you can give on this. 

Best, 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 2023-11-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited two checks on Friday XX/XX/17 and they were put on a 12-day hold with a reason of " Check Was Not A Payable Item ''. I asked for an explanation as to why a check was not a payable item and they would not explain why the check was unacceptable. They told me to have the maker issue a stop payment and try again but if I do that they will issue an identical check with just a different check number. That will likely get rejected again. I need them to tell me what is wrong but they refuse to do so which is outrageous, awful service and indicative of a wanton disregard for the suffering of a client. Wells Fargo should be penalized by their regulator for this oppressive and abuse behavior and I will certainly recommend to everyone I know that avoiding Wells Fargo is a good idea.

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 2023-03-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by in the State of GA on or about, XXXX, and resold on or about XXXX. Under the laws of the State of GA UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates.. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities, or continued reporting of this invalid claim on my credit reports, will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. The credit bureaus had 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

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 2023-08-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I hope this letter finds you well. I am writing to formally file a complaint against American Express for discrepancies and mismanagement of my credit card balance. 

Non-updated Credit Card Balance after a {$1300.00} Dispute : Sometime in XXXX XXXX XXXX, I disputed a transaction amounting to {$1300.00} on my American Express credit card. Despite the dispute process, my credit card balance was not updated or adjusted accordingly. This has caused undue stress and confusion, as my credit statement does not accurately reflect my true outstanding balance. 

Erroneous Addition of {$1000.00} to Credit Card Balance after Dispute Rejection : I disputed another transaction with American Express, and when the resolution was rejected, they added an additional {$1000.00} to my credit card balance. This is perplexing since, to my observation, no initial credit was ever applied to my account during the dispute process. When I inquired about this discrepancy, I was informed by American Express that they had credited the amount initially, though I have closely monitored my account and can affirm that no such credit was made. 

These instances not only show negligence on the part of American Express in maintaining accurate records but also pose a significant inconvenience and financial strain on me. I have made multiple attempts to rectify these issues directly with American Express, but have been met with either inconclusive explanations or lackluster attempts at resolution. 

During the second dispute process, I was wary of American Express 's handling based on my prior experience. As a precaution, I took a photo of my account balance before and after the dispute to have tangible evidence of any changesor lack thereof. Upon resolution of the dispute, I observed that my credit balance remained unchanged, contrary to the expected adjustment. When I contacted their customer support for clarity, they claimed that they had already credited the disputed amount to my account. However, the photos I took serve as proof that no such credit was made, thus highlighting a discrepancy in their claim. 


In light of the above, I kindly request the intervention of the CFPB to investigate these discrepancies and ensure that my credit card balance with American Express is accurate and just. 

I am more than willing to provide any additional documentation or evidence to support my claims, and I earnestly hope for a prompt and favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: FL
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:
This is new relevant information and request from experian and i will send a hard copy of this request via mail because i will not give up on this matter IN ONE OF YOUR RECENT LETTERS YOU STATED BY LAW YOU MUST NOTIFY SO YOU KNOW THE LAW AND I NEED YOU TO FOLLOW IT IN THIS CASE YOU DID NOT AND I WILL BE FOLLOWING UP ON THIS ONE XXXXl XXXX {$600.00} : so experian said that they sent me correspondence that they had unblocked this account, ironically they had just sneaked it back on my report they did not know i was going to complain now they want to say they sent me a notification Well i need what the date the notification was sent? 

What was the report number on that notification? 

They only said they had sent it because I pointed out the violation of the FCRA, failure to notify They even said in a recent letter that when a account in ublocked they must notify, they did not do so, and i would be curious to see the date they claim they notified me PLEASE BE ADVISED THIS IS NOT A DUPLICATE COMPLAINT IT CONTAINS NEW INFORMATION ON THIS MATTER This is not a threat but if i dont received this information i am turning all my correspondence over to a consumer attorney with all communication on this particular account and lets see where you guys are going to get a letter dated when you sent this correspondence to me notifying me of you unblocking the above account I have every report from the date the account was blocked to the date it was unblocked and no notification was sent notifying me the account would return SEE ATTACHMENT

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 2023-06-28
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 submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have reported to XXXX that my XXXX is XX/XX/XXXX and not XX/XX/XXXX. I have not received any correspondence from them on my behalf. Additionally, they are reporting a collection account that is not mine. I have requested them to remove it after investigating it and they have failed to do so.

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 2023-03-08
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent a letter regarding innacurate and unknown thing on my credit report to the 3 bureaus, XXXX Equifax, XXXX To this day over 45 days later I have not received a response yet. Section 611 ( a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report that was inaccurate and unknown that I was disputing. It has passed the legal limit stated by section 611 ( a ) so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation