BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: KS
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:
Experian is reporting information regarding

Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding Experian provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681g ( 2 ). If Experain is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( 2 ) I am demanding all Hard Inquiries be remove Immediately. Violations : 15 U.S.C. 1681b ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C. 1681g ( 2 ) : Disclosure to Consumer

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 2022-06-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently check my consumer report and notice I had XXXX late payment from XXXX different companies XXXX XXXX and XXXX XXXX and to be honest Im a smart consumer and I am fimilar with certain laws. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. The XXXX accounts in questioned below should all be updated to paid as agreed on my consumer report. Please help me wityh this matter

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 2022-06-27
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 states : A consumer reporting agency can not furnish an account or account information without my consent

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 2022-06-26
Company: CITIBANK, N.A.
State: NY
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:
I applied for a Citi XXXX XXXXXXXX XXXX card to get a promotion on XXXX to spend {$2500.00} and get XXXX points. I never received my card, and when I realized that I called to ask about it on XX/XX/XXXX. The promotion had expired, so I asked if they could extend and if not to just cancel the account. The customer service rep ensured me that were able to extend the offer and sent me a new card. I spent money on that card because I thought I had a promotion. I would not have spent or kept the card open if that wasn't the case. I called today ( XX/XX/27 ) to see where my promotion stood and was after being on hold for hours and the call dropping several times was told the promotion was never extended. The only reason I spent any money on that card was to get the promotion. I've since canceled and will never use Citi again. I wish they had just been honest with me and I would have canceled immediately and not used the card.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 explanation
Consumer complaint received 2023-12-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am writing to express my concerns and frustrations regarding my recent experience with the deferred interest program on my care credit card account. 

Firstly, I want to emphasize my commitment to maintaining a positive credit history and a good relationship with Synchrony Bank. I have been a loyal customer for several years and my high credit score is a testament to my responsible financial behavior. I am also grateful for the opportunity to finance my XXXX XXXX which has improved my life dramatically. 

Recently, I encountered unforeseen financial hardships that made it challenging for me to meet all my financial obligations on time and pay more than enough with minimum payment. I was trying to set up autopay enough to cover all before the deadline. I thought I was on track to pay early. However, after checking my statement today XXXX I see it expired on XX/XX/2003. I do not normally check the statement each month as I have autopay and am not worried about missed payment. However, I realized the balance was higher than I was used to seeing {$2000.00} that when I realized {$960.00} is deferred interest. I was certainly alarmed. 

Unfortunately, due to these circumstances, I missed the deadline for the deferred interest program on my credit card. My intention was to ensure that I paid at least the minimum amount to avoid incurring interest charges. I called and explained my situation and that I could take money out of my Health Savings to pay off what I owe. The account manager was not able to help since it was past the 30-day grace period. 

In addition to the financial difficulties, I also experienced intermittent internet access issues during this period. As a result, I was unable to consistently check my statements online to stay informed about the status of my account. I understand the importance of staying on top of my financial responsibilities, and I sincerely regret any oversight on my part. I would hope the Bank had other means to notify their valued customers, such as e-mail, text, or even a phone call. I would have paid it off to avoid interest. 

I kindly request understanding and assistance in reviewing my account. Given my longstanding relationship with Synchrony and my overall good credit history, I am hopeful that you can offer a resolution that is fair and considerate of my current situation. 

I would appreciate any possible accommodation, such as a reconsideration of the interest charges, a waiver of any deferred fees. I am committed to resolving this matter amicably and maintaining a positive relationship with Synchrony. Any attention or help with this issue is greatly appreciated, and I look forward to a favorable 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 monetary relief
Consumer complaint received 2022-06-27
Company: Santander Consumer USA Holdings 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: Their investigation did not fix an error on your report

Complaint:
I bought a car and made the first payment over the phone. I told them I wanted to set up Autopay. The autopay never came out, but I was unaware they failed to set it up and the customer service agents XXXX was so broken I couldn't understand anything they were saying. 

COVID happened, my wife got sick and was paralyzed as a result. I was struggling to take care of her and the household during COVID and the company hit me with multiple late fees XX/XX/XXXX to XXXX / XX/XX/XXXX. They repossessed the car. 

I called them and was surprised to hear they never set up autopay. I said I could pay a late fee and the past balance right then and there and asked them why they didn't do autopay to begin with. 

They told me I needed to pay the entire car loan in full or not get the car back. 

I needed the car to care for my XXXX  wife and deal with finding work during COVID. My mother trusts me and she took out a loan in her name with more interest, I paid off the company and am paying my mother back. 

1. I believe the CAREs Act protects consumers from having negative ratings on their credit if they are current on their bills. I paid off the car almost 5 years early. 

2. Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( 3 ), the term consumer report does not include .... - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Congress stated that experiences between consumers and the person making the report should be excluded from the report. The company lent me money, I paid them back. Legally, according to Congress, that is all that should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-07
Company: Nelnet, Inc.
State: MN
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:
On XX/XX/2023 I submitted an official complaint with the CFPB against Nelnet for negligence on their part by adding {$14000.00} to my loan amount that I did not owe. 

The reason Nelnet added this was because they inadvertently sent me duplicate refund checks. I only cashed one set of checks and I was called by Nelnet to destroy the other copy, I complied with destroying the second set. 

Fast forward after many hours on the phone with Nelnet over the course of literal years, I filed a complaint in early XXXX. After many more phone calls and correspondence the issue was partially resolved nearly 3 months later, in late XXXX, XXXX. 

However, the resolution to this issue is STILL not correct. Nelnet was charging me interest on the {$14000.00} the entire time that I should never have been charged. Additionally Nelnet charged interest on the payment of {$14000.00} that was applied to my account when they fixed the error. 

Nelnet must remove all interest that was charged during that period on the erroneous amount that was added, and get rid of the interest from the payment itself that was applied. 

This issue has caused me unfair financial suffering, countless hours spent trying to resolve this issue, stress, and impact on my credit report from it reporting that I owed a debt which I did not owe. This means that loans I took out during this time showed this as a debt I owed potentially making the interest rates on those loans higher. 

Additionally, their minimum of 2-hours on hold to get through to customer service and many hours more spent re-explaining this situation every single time to the representatives without ever being given a direct line to someone for my serious and stressful situation. All of which Nelnet NEEDS to compensate for these hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: NY
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 A XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Good afternoon I contacted TransUnion by certified mail on XX/XX/2020 disputing inaccuracies in my credit file. It has been 30 days and I haven't heard from them regarding the disputed items nor has any action been taken to correct the inaccuracies. I have uploaded a copy of the letter that was sent to them for review.

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 2022-11-30
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Dovenmuehle Mortgage , Inc. Called me at XXXX while I was in bed. I told the woman at the beginning of the call it is XXXX. She said well that may be so, but and she continued to talk to me about a home my ex husband is responsible for not me. Im a XXXX who gets up at XXXX. I dont appreciate the late call or the rudeness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called to find out about the bill and to get a break down of the bill. I was not given that information and I had health insurance.

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 2020-04-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
so this all starts on XX/XX/XXXX when I get a notification that someone had made purchases in my name without my knowledge after waiting to be contacted about it by usaa which never happened i reached out a representative said they could ensure a full refund so I waited the money comes in and about a day later the same person starts making purchases in my name again and I reach out to usaa for a stop payment method and everything seems good about what has to be two days later the person had somehow convinced usaa to remove the stop payment and continues buying and about a few days later attempts to have a second card made out in my name to presumably continue buying stuff

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/22 I let the credit bureaus and secondary agencies know that there are inaccurate, unverifiable, and fraudulent items on my credit file that do not belong to me. I submitted and identity theft report. The items are still on my credit file. This is blatantly ignoring Section 605 b of the Fair Credit Reporting Act. It says that the items must be removed within 4 business days of you being notified. Also, no item is to be furnished on my credit file without my written consent. I never gave written consent for anything to be furnished on my credit file!! I have contacted XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  XXXX. They have told me and also sent in writing statements saying that they dont even report to the credit bureaus. This false information on my file was provided by XXXX, XXXX, XXXX and other illegal means. I do have a right to privacy! The continued defamation of my character will not be tolerated! You have caused great distress to me both mentally and financially with your deceitful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
For over 3 years I have submitted proof to the XXXX credit bureaus that XXXX XXXX was garnishing my wages on an account that didn't belong to me, the account in question was opened fraudulently. The garnishment caused my actual credit card payments with XXXX XXXX to bounce and caused a chain reaction of late payments because they were on auto-pay. 

XXXX XXXX sent me a letter acknowledging that the garnishment was not supposed to happen and refunded all the payments they took from my check. XXXX XXXX didn't erase my late payments that were caused by their mistake. I have letters from XXXX XXXX acknowledging their mistake, and copies of certified letters from me to the credit bureaus asking them to correct the information and remove the late payments. 

I have placed a fraud alert because there are hard inquiries that I did not authorize. The following hard inquiries are not authorized by me : XXXX XXXX ( XXXX ) XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance )

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