BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-20
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXXXXXX bank I have not applied for this credit card very confused on why the date of the inquiry is XX/XX/XXXX also this account is not on my XXXX or Experian credit report. 

Both XXXX card services didn't know what this card service is and definitely haven't applied for the services in over two years. Also this account is not on my XXXX credit report. 

XXXX account has two different dates XXXX report XX/XX/XXXX, Experian XX/XX/XXXX, and also not on my XXXX credit report. 

XXXX  account is only my Experian credit report. It is not reported on XXXX or XXXX report. 

XXXX was a credit card that I had however I paid off the account and its a closed account. Not sure why its only on my Experian credit report and also why its a hard inquiry.

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hi, I'm having an issue with Transunion credit reporting agency, they are still showing that I have a late payment on my credit report. I also have ( AUD ) numbers ( XXXX ) ( XXXX ) ( XXXX ). This issue has been going on for about three months now. The company that is reporting late is Police and fire credit union.

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 2022-06-06
Company: AGS Financial, Inc
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I financed a vehicle from sage auto sales through age financial in North Carolina, XXXX XXXX XXXXXX/XX/XXXX. I paid a down payment and I was told that it would apply to my total amount of the auto loan.however I recently went Over my contract and it was a lie and fraudulent the contract is null

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: VA
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 my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Several disputed items remain on my credit report as of today XXXX XXXX. 
XXXX. XXXX XXXX XXXX shows a past due amount of {$180.00} and a balance of {$630.00} for XXXX and XXXX respectively. Attached is the car title dated by the state of Florida for XX/XX/XXXX supporting my claim that there is no past due or balance due on this account for XXXX and XXXX. Especially considering that the time to pay off the loan and receive the title from the state is at minimum 30 days. 
2. There are four duplicated Department of Education accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All XXXX loans were forgiven. Attached please see the documentation from XXXX that states that the loans are forgiven and as such should not appear on my credit report. This information was provided before and the loans were removed, however, they have now reappeared. 
3. In XXXX there are 9 hard pulls on my credit from 3 mortgage companies. Five from XXXX XXXX XXXX XXXX Two from XXXX Mortgage and two from XXXX. Due to the current market, trying to buy a home is a long process requiring my prospective mortgage companies to update my file over several months. Any adverse effect on my credit should be removed. 
4. XXXX XXXX XXXX card shows that it was opened in XX/XX/XXXX however that is inaccurate. The card was opened in XXXX and first used on XXXX. It is now over 7 years old and should be removed from my 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 explanation
Consumer complaint received 2022-11-25
Company: Nelnet, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX Department Of Education/Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # : XXXX, Balance : {$4900.00} and XXXX, Balance : {$9400.00} ( Disputing All XXXX different Loans ) To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$4900.00} and {$9400.00}, which appears on my XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding XXXX XXXX laws. Please note that I am requesting validation. ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX XXXX of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) Violation of the Fair Credit Reporting Act ( including but not limited to Section XXXX ) Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Last XXXX of XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid my normal monthly payment of {$650.00}. plus {$50.00}. plus a fee of {$7.00} on about XX/XX/2021 but KIA Motors Finance has refused to credit my account to this day despite my many attempts by phone, email and first class mail. This has caused my credit to be bad.

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 2022-11-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I contacted Pennymac bank in XXXX of XXXX to inform them that I had recieved a property tax exemption for XXXX, XXXX XXXX due to my XXXX XXXX disabled veteran status and requested next steps to get my mortgage Payment adjusted to account for the exemption The gentlemen took my information and information for the county and said give it a couple weeks, Pennymac will send a letter. 

Approximately middle XXXX I followed up, this time I sent a copy of my exemption letter via Pennymac message portal. Again I believe I got a reply " thank you for updating us, allow us some time and we'll get back to you. 

In XXXX or early XXXX timeframe I contacted Pennymac customer service to ask about status. I was told over the phone that the adjustment would be made once they got a bill from the county. 

With that bit of information, I called XXXX XXXX to verify that my tax exempt status was in force and asked when tax bills are sent out. XXXX XXXX explained that bills are sent out in XXXX and XXXX. Therefore, Pennymac should have recieved a XXXX XXXX reflecting that status and been able to make the adjustment. 

I asked the county for a letter explaining my exemption status, how much I had been taxed, and how much my future taxes would be ( XXXX given the exemption ). Once I recieved the letter, I forwarded it and the original tax exempt letter again to Pennymac in XXXX, along with an email explaining all the steps I have tried to take since then. It was at this point I realized I need to start saving every piece of correspondance -- correspondance attached ( it will be the XXXX time I am sending the original exemption letter. ) Since sending that letter, I have recieved a reply saying it was elevated to their tax department but still both my XXXX and XXXX statements reflect the unadjusted amount and I have received no other correspondence explaining why they can not make the adjustment or when they will be able to adjust for my Veteran Exempt status. 

In short, it has been XXXX months since I first notified Pennymac of my status and request to adjust. Outside of standard form replies I have received no explanation of why they are unable to make the adjustment or what else ( if the XXXX letters are insufficient ) they need to fix this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I reported to AMEX Blue Bird that there were charges on my prepaid account that I did not recognize. I filled out and even submitted a AMEX Bluebird Declaration of Fraud Form detailing out exactly which charges were not authorized. They reviewed my claim and denied it. 

Their own website says that they offer fraud protection : https : //www.bluebird.com/faqs/stay-in-the-know/fraud-protection  When I made a valid claim in the amount of {$550.00} they gave me the run around saying that it may take another 45 days for them to review my appeal. I'm at my wits end and need your help to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-25
Company: ORG GC GP Buyer, LLC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Just Received another call from GC Services in regards to my Student Loans. I informed the guy that was calling - XXXX XXXX something I believe he said his name was. I did not let him finish. I informed him that my student loans were forgiven due to the school closures and fraudulent issues they have caused millions of students and now in a lot of debt and damaging their Credit Score, life and a trying to go back to school to complete and further education and not able to get a position in the field of work you went to school for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: PA
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/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-10-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Delete late payments from XXXX XXXX XXXX XX/XX/XXXX through XX/XX/XXXX. Your company is in clear violation of the law under 15 USC 1681b - Permissible purpose of consumer reports the law Clearly states. b ) in General subjects to subsection c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) in accordance with the written instruction of the consumer whom it relates. Did I give you written instructions on my credit report? A ) Subject to section 1681s-3 of this title and ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actins being taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair debt collection practices act 15 USC1692g violations 4. Fair reporting act 15USC 1681 violations for willful noncompliance -616 Civil liability for willful noncompliance 15USC 1681n Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-21
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It makes no sense that by the time you add your pictures you're logged out and have to start all over. The Consumer Protection Bureau should automatically save a complaint you start instead of having a person start all over. I always try to resolve issues with companies before filing any consumer complaints. 

My credit have been ruined because of these 5 companies. I'll be filing 5 consumer complaints on 5 different companies that have reported FALSE information to the Credit Bureaus. My credit score have dropped over 100 points within 30 days due to these companies. The Credit Bureaus allow companies to report anything including FALSE information without allowingvthe customer to fix it before they report it. Therefore i'll be also filing a consumer complaint against all 3 Credit Bureaus with the Attorney General 's Office. 


I have a Care Credit Card with Synchrony Bank. I was very embarassed when i was due to have a much needed XXXX XXXXXXXX in which if i don't have this XXXX it could XXXX XXXX XXXX  XXXX  and i could die. O was also embarassed when i couldn't get my kids much needed medical things for my XXXX XXXX Child and my XXXX Child. Synchrony Bank lowered my credit limit from {$970.00} to {$230.00} which makes the card not worth having if you're financing anything. I called Synchrony Bank to ask why they lowered my credit limit only to laughed at by one of their Sarcastic employees. Even when i told Synchrony Bank i was a victim of recent Identity Theft they still kept my credit limit lowered preventing me from having much needed dental needs and medical things for my children who have XXXX XXXX as well that our insurance doesn't cover. Synchrony Bank only told me after the fact they lowered it that my credit limit was lowered. Lowering my credit score caused my credit score to drop as well as increase my usage which i kept at 30 % or lower.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 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 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 2022-11-25
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of fraud from the get-go from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX and Santander Consumer USA on XX/XX/XXXX XXXX For that reason, I was misled and made an uninformed decision. First, during the extension of my credit transaction, the dealer told me that Santander Consumer USA requires a deposit of {$1600.00} before approving the extension of my credit. Now when it comes to my finance charge, I was not disclosed that the finance charge was the sum of all charges including the insurance. When I asked them if insurance is included they told me no that insurance should never be included in the finance charge and that I have to go get insurance myself. Upon my investigation, I figured out they have lied. Also during the transaction, I was never made aware of my right to privacy after a credit consumer transaction nor my right of rescission. Their intention from the get-go was to take advantage of me. My ''supposed '' contract with Santander consumer usa XXXX XX/XX/XXXX was never signed unless they forge my signature on my back. I have attached a copy of the supposed contract given to me on XX/XX/XXXX. To add salt to injury, Santander consumer usa has the audacity to steal my car on XX/XX/XXXX. For that reason, I am not able to work so I can pay my rent. I have a XXXX wife and XXXX XXXX  old son. Because of their action, I am at risk to become homeless.

Company response to consumer: Closed with explanation