BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I attempted to open a credit card with XXXX XXXX in XXXX XXXX. When I did not receive my credit card in XXXX, I called them to ask why it had not been received. I was informed that someone had changed the name and address on the card and was using the card. I immediately told them that this was an act of fraud and it was not me. I was sent in circles for months filing complaints and filling out documents all simply saying that the credit card was never received and i never charged anything to the card. I continuously told them to cancel the card that by credit report was reflecting a delinquent account that was n't even me! They never closed the account, the account continues to accrue late fees, and they even sent me a credit card, sent to my correct address- WITH THE FRAUDULENT NAME in XXXX XXXX! My credit report has been getting hit since this whole process began, and they are absolutely impossible to work with. In XXXX, I was told to provide them with a police report and affidavit attesting to the fraud. I did all they requested, and received a response saying that the " investigation '' they conducted concluded that the account belongs to me. I call the company and am constantly rerouted and asked to provide additional documentation and fill out additional forms, and I have done so to no avail. I simply do n't know what else to do, I have never encountered such gross incompetence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022 I recieved an updated copy of my credit report from Transunion. There is still inaccurate information on my credit report. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. These names are not suppose to be on my credit report : XXXX XXXX XXXX. Law 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

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 2022-07-18
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Lowe 's Credit Card issued through Synchrony Bank began charging me for " Card Security '' without my knowledge beginning XX/XX/2022. 

XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$67.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$69.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$67.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$66.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$65.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$64.00} XX/XX/2022 CARD SECURITY XXXX XXXX XXXX XXXX {$64.00}

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 monetary relief
Consumer complaint received 2017-09-04
Company: World Acceptance Corporation
State: NC
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:
On XX/XX/XXXX, I opened a installment loan with World Acceptance Corporation in XXXX, Alabama. I fell behind in the monthly payments and the account was placed in a collection status. I paid the account off on XX/XX/XXXX via telephone. However, on XX/XX/XXXX, after reviewing my credit reports from the three reporting agencies, I noticed that there was inaccurate information reporting from Colonial Finance Company. I contacted the corporate headquarters in XXXX, South Carolina via mail and requested that they update the accurate information to my credit report, showing a zero balance and paid status. I understand that the account was placed in charge off status, however the Compliance Manager ; XXXX XXXX wrote correspondence to me via mail that my request will not be granted and that the information reporting to the credit reporting agencies is accurate. I have a invoice ( paid ) attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called into Navient and explained to them i could n't afford to make the payments. I informed them that I am willing to make payments and I was n't trying to neglect making payments. But I first needed my payments to be reduced down to a more reasonable payment so I could afford to make the payments or that works more with my income. 

Navient was uncooperative in helping me and refused to lower my payments based on my income. Plus I was a student at XXXX XXXX and I feel that I was taken advantage of, because I was unaware that I even had the private loan taken out. It was n't properly explained to me.Now I am struggling to make payments and I do not want this to mess up my credit and my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX ( account # XXXX ) Have violated my rights. 

15 U.S.C. 1681 section 602H states I have the right to privacy.

15 U.S.C. 1681 section 604H section 2. States a consumer reporting agency can not furnish an account without my written instruction.

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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/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 2017-08-31
Company: ALLY FINANCIAL INC.
State: MI
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:
Ally Finacial has incorrectly reported on my credit report that I have to repossessions on XX/XX/XXXX and XX/XX/XXXX they also recorded that my payments were made on time in full during these months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. These names are not suppose to be on my credit report : XXXX XXXX XXXX  Law 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

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 2022-02-19
Company: EQUIFAX, INC.
State: MO
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:
The Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed items below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform XXXX XXXX XXXX XXXX and Account Management Policy. And second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: EQUIFAX, INC.
State: IL
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:
Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -XXXX does not provide me the opportunity to " dispute online ''. 

On XXXX, 2017, I became a member through XXXX to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- XXXX does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " TransUnion '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX  XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary '' Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since X/XX/2017. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2012 {$54000.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a trial modification. I payed XXXX payments and it made it permanent. I sent my forth payment and it was sent back to me.I was promised loan modification documents after the trial XXXX days and now its been 60 days..I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 2017-08-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Apparently there was an error when I tried to pay off my loan through Toyota Financial Services, but Toyota Financial is not reflecting the true payment due on its website because of an IT error. I still have the money in my bank account, and I am afraid I will not be able to pay it off and the account will accrue interest. I really have no idea what is going on or what to do. XXXX Toyota Financial, I have called them at least 8 times due to different errors, and at least half were not able to solve my problems. Only a resolution specialist will most likely solve them properly, but they are nigh on impossible to get to because the customer representatives are usually mediocre and/or have little control, so the resolution specialists are flooded with requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Brown’s New Credit Bureau Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it may concern, Brown 's Collection service has not validated or verified any thing with regards to the debt be allegedly owed by my person to their company. The proof needed for this particular debt is the blue ink signature contract that I signed with Brown 's Collection Service stating that I, XXXX XXXX, agreed to this debt, agreed for the adverse affect of Brown 's Collection service actions as they reported a debt that Brown 's Collection Service bought and chose to pursue me under their own volition. The debt is legally owned by Brown 's Collection service and their claim or right to pursue me is null in void due to various acts and laws protecting consumers from these particular types of practices. If the debt and the reporting ceases and desist, I will not pursue legal action. If the collection activity persist I will be forced to legally and lawfully protect myself by pursuing a civil law suit for defamation of character, and various violations to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03
Company: Experian Information Solutions Inc.
State: IL
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:
Hello, RE : Credit Bureaus Reports Issues : -Information is not corrected and explained in plain language. ( For example : Balances, old accounts listed ) -XXXX does not provide me the opportunity to " dispute online ''. 

On XXXX, XXXX, I became a member through Experian to have easy access " online '' to the 3 Credit Bureaus. I am enrolled. My purpose is to make sure my reports are accurate. 
- XXXX does not allow me to dispute " online ''. Why? I do not know. No answers about it. I sent written " disputes ''. Results " Unfinished Business ''. No corrections made. 

The 3 Bureaus do not sent explanations of what specifically was " corrected ''. It seems to me the 3 Bureaus take a generic letter of " acknowledgement letter '' and help yourself. 

Still, I see the same incorrect information listed. Then, the frustrated cycle continues. 
In particular, after the back and forth " XXXX '' keeps listed in my report that I have a " Balance for {$25000.00} with XXXX XXXX initial balance for a new car at that time. Also listed as REPOSSESSION. It was my " Voluntary ''  Request to XXXX XXXX '' to pick up the car. I wanted to refinance the loan. No success. Which it was paid off and included in a Chapter XXXX Bankruptcy. Now, " DISCHARGED '' since XXXX/XXXX/XXXX. 
- I asked and presented specific details to the 3 bureaus to update my balances. It seems to me the 3 bureaus are very concerned about collecting money by selling their products and in exchange they provide the customer a very poor quality work. Please advise. 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 non-monetary relief
Consumer complaint received 2019-08-02
Company: SUNTRUST BANKS, INC.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have consistently tried to manage my loan with SunTrust Bank over the years of this loan with them. I have been struggling to make payments. It is important that I be given consideration to keep my car. It's the only means of transportation I have. It will greatly impact my ability to get around to doctors appointments as a veteran.

I have a XXXX XXXX XXXX XXXX.

Yes, I have missed payments ; however I have always made up for the missed payments. After I called them about my car possibly being repossessed the person name XXXX  didn't offer me any remedies to prevent the repossession.

As a veteran, I have to have access to a vehicle and I do not have family members living in XXXX, who can assist me with transportation.

I spoke with a representative on XX/XX/XXXX. They can be contacted at XXXX.

They aren't willing to give me more time to make up the past payments. I have until this week. Which is extremely stressful and impacting my health. I work on contract and only get paid through a contractor.

Please help with this serious matter. I believe a lower amount monthly would be most helpful. I have had my car since XX/XX/XXXX and willing to pay it off.

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 2017-09-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a purchase in 2016 and obtained an account at checkout. No plastic card arrived in mail after 3 months. I called and a new acct was established ( now merged with this acct ) and a plastic card for the account with allegedly {$500.00} credits in exchange for my Authorized Signature was supposed to be provided. 
2 Consumer Purchases were made over a period of 4 months, with 2 Recinded ( RETURNED Products ) during the payment periods.Due to the Accounting JCP used, the Truth in Lending was violated and FCRA was violated causing DAMAGES to the 3rd Party " reporting/redisclosure/hearsay '' that XXXXXXXX/XXXX Published causing Defamation, Slander, and LOSS of CREDITS and LOSS of Assigned Benefits to this Beneficiary to Purchase New Consumer Products. JCP is now reporting " {$0.00} '' in CREDIT after CONFIRMED TRANSACTIONS OF transmission of {$1300.00} in exchange for {$180.00} in consumer product Purchase transactions. This is FRAUD. JCP Offered {$500.00}, Received {$1300.00}, and has DELIVERED only {$180.00}. JCP is operating its Consumer Accounts in violation of FDCPA, FCRA, and TIL causing me TORT.

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