BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-30
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-09-04
Company: Ability Recovery Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing several items on my credit report as far as what its showing for student loans from schools, to lies about be owning money for damages to an apartment I never done, to identify theft

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 2017-09-08
Company: FIRST HORIZON BANK
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: Old information reappears or never goes away

Complaint:
I was denied a checking account when I recently moved here to Texas because of incorrect information on my XXXX record. I was not aware of this information and it is also extremely old aside from being blatantly wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good Afternoon, I received a call from a collection agency saying my student loans from Navient is in collection. I found this odd since I have been making payments. I called Navient and they said I havent been making payments since XXXX. I told them I have proof and on the website, it clearly states I have been making payments. My last one was in XXXX. I called Navient and the agent sent a number to call to send in my proof of payments. The number is a fax machine. I do not own a fax. Unable to get through to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i ordered something via XXXX a week ago and for four days, XXXX  like address dnt exist, so i called amex to disoute and cancel and they were no help, going only XXXX can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would request that the items be removed under the CFPB 's Supervision. Once done I would request a copy of my updated report reflecting the new changes. 

I Have disputed this account and it was closed because it was fraud for the amount of {$160.00}. The account was closed on XX/XX/2021.

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 2022-02-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The below accounts are reporting to all three credit bureaus and they do not belong to be, I have listed them below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
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:
Heartland ESCI has been overcharging me for my monthly student loan payments, stating on my account that I 've been paying less. Thankfully this is a small loan, so my payments are n't much. But others with larger loans could be overcharged as well. My bank statements show I 've been paying them {$35.00} each month from XX/XX/XXXX untilXX/XX/XXXX, but Heartland 's website reports I 've been paying {$33.00} for statements of {$34.00} during this timeframe. They reported me as past due for an amount of {$1.00}. If I 've been paying {$35.00}, {$1.00} higher than the statement amount for a couple of months I should not be past due {$1.00}. If I continue paying {$35.00} every month for ten years I would be paying them {$120.00} more, and for what? The servicing fee is included in the {$34.00}. Something is off with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: EQUIFAX, INC.
State: NJ
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I submitted FTC report # XXXX on XX/XX/XXXX disputing XXXX XXXX XXXX on my Trans Union credit report. The account was removed from my Trans Union account on XX/XX/XXXX, however, the account reappeared on my TU credit report once again on XX/XX/XXXX. This time the account status displays as a joint ownership instead of the previous individual owned account status. This account does not belong to me nor am I a joint or co-owner to this account and I'm once again requesting its removal. 

Extracted from a certified Affidavit sent to XXXX XXXX XXXX which they received on XX/XX/XXXX, and have yet to responded : XXXX XXXX XXXX must herein provide a true and certified original of the audit trail under penalties of perjury of said accounts, Pursuant to 15 USC 1692G of the FDCPA. Furthermore in order for XXXX XXXX to validate please provide verification through debt entry in accordance with XXXX, BASEL 3 accord and the XXXX Conventions. I would also need a certified copy of an original contract with my wet ink signature between XXXX XXXX XXXX and myself providing that XXXX XXXX XXXX is the holder in due course of the original debt contract and a certified copy of your tax registration certificate. 
Any certification not received by certified mail under penalty of perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under penalties of perjury please settle these accounts immediately with 10 days.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 2022-09-04
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Currently leasing a XXXX XXXX XXXX XXXX  from Hyundai paying $ XXXX. Requested registration transfer from NY to WA Issue : It has not been done as of XX/XX/2021 XXXX XXXXrequested Title transfer and Power of Attorney from Hyundai website . Website states it takes 6-8wks. Also faxed request from WA state DMV office. Spoke to some agents over the phone during that time who had told me to fax and complete the online document. Checked in over the phone by calling Hyundai motor finance ( HMF ) starting XX/XX/XXXX. The agent i spoke to said it would be done by the XXXX. Called on the XXXX and the agent said that it is an absurd long wait and escalated my case to the Titles department. She said she sent an email. Gave me an escalation # XXXX. Told me it would be done by the end of the week. Called the next Tuesday on the XXXX. Spoke to a regular agent and a special agent who sent another email to the titles department. Said i should receive an email with the XXXX tracking number for the documents in 5 business days. Called on the XXXX. Spoke to a regular agent and then a special agent who said they would send an email to the titles department and it should be done in 10 business days. Called Hyundai consumer affairs on the XXXX to complain about HMF but i was told by the agent that they would call me back after speaking to HMF. Have yet to hear back. Spoke to at least 3 agents at HMF in the XXXX. I was told there's nothing they can do-even when i requested a manager. They also said they can't provide me with a log of the case ( they never send emails for confirmation or updates after any call ). Called HMF on the XXXX who gave me these emails : XXXX and XXXX. She told me to send my account #, vin, contact information, state i am requesting a title and POA and where to mail it to. Sent the email at XXXX on the XXXX. Have yet to receive word about whether they received the email of if they are working on it. I am unable to drive the car and i am currently paying parking for the car as well as the monthly lease

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 2017-08-24
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:
Experian mixed my file with another individual with a similar name. A credit bureau is responsible for maintaining individual reports properly and correctly under the FCRA. Experian 's mishandling and mixing of my individual credit information DECREASED my credit score by over 100+ points. Experian 's incorrect report was over a 100+ points lower than the other two credit bureaus. Unfortunately, this information came to light after I submitted a credit card application with one of my banks. My application was denied based on Experian 's incorrect credit report, and I lost a {$200.00} cash-bonus opportunity. 

On XXXX XXXX XXXX, I reported the improper information listed on my credit report, and the representative informed me that Experian had mistakenly mixed my file with another individual residing in California. While Experian " re-evaluated '' after fixing the relevant issues, I was still denied the opportunity to benefit from a cash-bonus offered by my bank. 
Experian clearly violated their statutory and regulatory requirements under the FCRA by mixing my file with an individual with a similar name -- evidencing that their filing procedures and protocols are not compliant with FCRA requirements.

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 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
TransUnion is reporting the following items inaccurately. This violates the FCRA. If I must, I will take legal action if they are not responsive to you but I want to create a paper trail. 

FEDERALDISTRICT/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 2021-05-28
Company: EQUIFAX, INC.
State: MS
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 submitted a complaint with CFPB on XX/XX/21 ( COMPLAINT ID XXXX ) concerning credit bureau Equifax incorrectly reporting my auto loan with XXXX XXXX as being closed " per consumer request '' twice in XXXX. Since filing the complaint with your company, I received an update on my complaint that the company has responded. When I checked my credit report today, I noticed YET AGAIN that Equifax has reported my account closed again on XX/XX/21 causing my credit score to drop another 16 points! This is the third time they have reported incorrectly ( once after the complaint has already reached them ). This is not fair to me considering I have been trying everything I know how to keep my credit scores over a 700 so that my husband and I can purchase our new home with a VA loan. Please resolve asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a XXXX Visa card and was sent this load of XXXX in return : Customer feedback has caused us to review our relationship with the XXXX. As a result, First National Bank of Omaha will not renew its contract with the XXXX XXXX XXXX to issue the XXXX Visa Card. 

I want to know if this bank holds the same policy with XXXX XXXX, XXXX, or some other group!

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 2022-09-04
Company: Experian Information Solutions Inc.
State: MO
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:
This is the second time I had to do this with XXXX XXXX XXXX XXXX XXXX just sold old information to another credit collection agency which is called XXXX XXXX XXXX this summer. I was unaware of this until I got a notification from Experian. This resulted a decrease in my credit score AGAIN by XXXX points on Experian. I filed numerous disputes a few years ago and finally it was taken care of and removed from my credit report. XXXX XXXX  even sent me a letter they were going to remove it last time after speaking with them on the phone also verifying I had a XXXX balance. The following attachments show disputed results from last time. 

I want this removed from my credit report again, all of them because I am at a XXXX balance and I havent used this card in 3 years. If there is anything reflecting a balance it is not me. It is fraud.

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 2017-06-27
Company: CITIBANK, N.A.
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:
Since XX/XX/XXXX, I have sent over twenty certified letters to both XXXX and Macy 's Credit for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX  Acct No. XXXXxxxx

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 2017-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I received an auto loan from Chase in the amount of {$14000.00}. I had concerns about the interest rate that was offered to me ( 5.84 % ) but, since the paperwork was signed at the dealership, I had no way of getting my questions answered. I reached out to Chase when the loan documents came in the mail and asked them to offer me an interest rate ( 2-2.5 % ) that better reflects my excellent credit score ( > XXXX ) and payment history ( never a late payment ). I received a letter from Chase stating that they could not refinance my loan because of my insufficient payment history and US residency status. As a matter of fact, I have an excellent payment history and I am a lawful US XXXX XXXX. If that was n't the case, why did Chase approve my loan in the first place? I find their behavior quite discriminatory. They are just coming up with excuses to avoid giving me the better financial terms that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit report DOES NOT appear in the Equifax system. I have lived in the United States now for more than ten years and have credit reports with XXXX and XXXX ( good credit scores, 750+ ). I have credit cards with XXXX XXXX  XXXX ( since XXXX ), XXXX ( since XXXX ), and several store cards ( XXXX, XXXX XXXX, etc. ). My total credit limits exceed {$50000.00} across these cards. I also have an auto lease with XXXX XXXX XXXX I am now applying for a home loan not having the Equifax report show up is an obstacle. 

I spoke with Equifax agents 4-5 times who asked me to send them my social security card, drivers license, and lease copy for residence proof. I did that three times : twice via USPS in XXXX and once via fax in XX/XX/XXXX. They claim to never receive it, or, it does not show up in their system. 

I have been on 4-to 5 long calls with their agents and nothing resolves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company randomly put this on my credit report on XX/XX/2020. No notification. Nothing in the mail. No phone calls. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have filed a previous complaint regarding Bank of America not offering a viable alternative to catch up on payments on forbearance after pandemic. You guys reached out to them with previous complaint filed one month ago and they did call and work with me pretending to work with me on offering a loan motification that I was told multi times I did not qualify for Bank of America special department called me too pacifist the complaint with the cfpd had me apply and I stated I dont qualify you told me I do not but you are supposed to via the cares act federal law supposed to offer a doable payment plan to catch up after pandemic forbearance they stated no other options and said they are now more open for a loan modification which sounded like a lie to me. Sure enough they answered the complaint to you guys had me apply for a modification that like I said told me for months that I did not qualify for due to no tax returns from stay at home order re pandemic as soon as case was closed last fri I received a call XX/XX/22 at XXXX pm no modification in system applied for and representative asking me how am I going to pay past due Please note frustration I was in forbearance for 18 months and I am only 4 payments behind I feel bad for people that are XXXX XXXX XXXX payments behind that they are doing this too

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