BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-27
Company: Experian Information Solutions Inc.
State: NJ
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 2 years I have had to deal with a Credit Rating that has been destroyed by XXXX incompetence. In short my 830+ Credit Score is now at XXXX and struggling to recover due to XXXX incompetence. Thankyou for at least reading this far. 
In short, I was moving homes and requested to cancel XXXX XXXX. 
I followed requested process and in fact waited 3 times for someone to collect unit as scheduled ... no one ever turned delivered myself to XXXX location. While dealing with this over the few week I was billed by XXXX for another month. Despite all the " promises '' this will be rectified NOTHING was done. Instead XXXX sent collection notices ( adding insult to injury ) which I refused to pay out of principal ) Consequently this referred to various Collection Agencies who passed the SAME DISPUTED account around, each time impacting Credit Score ..Finally out of frustration I paid bill but damage has been done. As you will see from all my active accounts and my long term payment history with EVERYTHING ELSE has been stellar ( hence my original XXXX Credit Score ) yet my scores with XXXX, XXXX and Experion remain low and yet to be corrected. 

One has to question the accuracy and integrity of the Credit Agencies ( and why I am registering this complaint after two years +of frustration ) as to how ONE DISPUTED XXXX bill for {$100.00} outweighs payments for numerous other accounts including mortgages involving thousands of dollars paid fully well in advance. 

My Credit rating has not been corrected nor fairly represents my " payment character '' which impacts me any time I look to apply for anything that requires a Credit Rating search to be done. 
Hopefully something good will come of this to protect other customers. Thank you. 
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 2020-12-27
Company: Santander Consumer USA Holdings Inc.
State: CA
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 Credit Profile has been damaged by Chrysler Capital with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently Chrysler Capital reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have advised the company & XXXX on multiple occasions to remove this medical collection as it violates my rights per the HIPAA ACT & my medical information is confidential! Neither the company ( COMMONWEALTH FINANCIAL ) nor has XXXX removed this medical collection from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Through my credit monitoring, I realized that my ex husband had added me on to XXXX of his credit card accounts as an authorized user, he did not ask my permission to do this. I phoned each credit card company, all three removed my name and advised that I should contact each credit bureau, they will investigate ( gomto each credit card company to verify ), then they will delete the accounts from my credit reports. I phoned all three bureaus, all three opened an investigation and only experian decided they were not going to delete the account. Both XXXX and XXXX, confirmed that I am no longer on this account and deleted it. 
My complaint is that experian has this XXXX card account listed on my credit report when I have nothing to do with it. Credit One HAS deleted me as an authorized user and I would like Experian to do the same.

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 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Credit Profile has been damaged by XXXX XXXX with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently XXXX XXXX reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.

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 2022-10-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

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.

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 furnishes an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hi, I had opened a case and your emails were going to a junk folder. I absolutely still need your guidance and support. 

Experian has been unwilling to remove inaccurate reporting based on XXXX BK I filed in 2007. The courts changed the type of BK so it shows as XXXX when in fact it is only XXXX. I have provided them with all the proper documentation. 

Additionally, I continued to improve my cursory usage and have flawless payments yet they continue to slaughter my score lowering XXXX points lower at least once a month. 

PLEASE HELP. Best # XXXX. Best email XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX Balance : {$8100.00}.

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 non-monetary relief
Consumer complaint received 2022-10-10
Company: AMERICAN HONDA FINANCE CORP
State: MA
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:
We were purchasing our leased XXXX XXXX. On XX/XX/2022, we received our bank {$10000.00} check toward the purchase. We then wrote a check in the amount of {$2000.00} for the remaining balance. When we checked we only saw that the {$10000.00} check cleared and there was a remaining balance of {$2000.00}. This check was in the overnight mailing to Honda. We made numerous phone calls to Honda Financial. We were told that the payment was not posted but for us to call in 2 days. When we called back, we were told that the account for the purchase was short {$2000.00} but we explained that we have proof that our payment was processed and cleared. Our checking account has been deducted the {$2000.00}. I have sent in proof that the check was processed and cleared but told that the car would be repossessed if that payment of {$2000.00} is not paid. I have asked to speak with supervisors but never allowed to speak with a supervisor. There is no email address to email anyone, only a phone number that we wait on hold for up to 50 minutes each time. We were told to fax over proof of the payment but later told that this proof was not acceptable. I am paying on a car loan from our bank for a car that is about to be repossessed for failure to pay in full when we in fact have paid in full. I am attaching proof of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my personal identity and open up unauthorized and fraudulent accounts using my identity. I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, U.S. Department of Education

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 2020-12-27
Company: EQUIFAX, INC.
State: MI
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regards to my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a to immediately remove those items from my credit report. It has been past this time frame so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress I am being caused. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regards to my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a to immediately remove those items from my credit report. It has been past this time frame so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress I am being caused. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2022-10-10
Company: EQUIFAX, 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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX UT XXXX ; XXXX XXXX XXXX Balance : {$8100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Army and Air Force Exchange Service
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account opened XX/XX/2017, current outstanding balance {$5900.00}. This account was opened without my consent and Ive mentioned this to the company a few times. I believe someone deliberately obtained my information and used it to obtain the card for purchases.

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 2022-03-17
Company: CITIBANK, N.A.
State: MS
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:
City Bank, for Best Buy ; this Company went into my checking account and took money out for a payment I did not authorize and they kept my banking information without my permission they stole money from me and my checking account was overdrawn for XXXX Dollars so they stole my information they need to be investigated for embezzlement and 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 monetary relief
Consumer complaint received 2022-03-17
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My old company XXXX XXXX had all of my correct information my married name, current address, correct email and phone number my loans were to be transferred the end of XXXX to a new loan servicer NelNet. However once it was transferred all of my information was transferred incorrectly. NelNet had my maiden name, and the remaining information ( address, email and phone number ) was all of my parents information. I ended up needing to call to get my last name corrected and needing to send in more information for them to update my last name though it was correct on my old loan servicer. I also needed to update my address, email and phone number which was also done during the same call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Other fee

Complaint:
I signed up fo r a Mastercard Gold Card through Barclaycard 's "  Luxury Card '' brand in   XXXX   XXXX    . Prior to signing up and activating my card, I called and verified that  Barclaycard  waived annual fees and granted  SCRA benefits to active duty servi ce members, which they did. Less than a yea r later, Barclaycard has   mailed me a notice saying they have changed their policies and rescinded the portion of  SCRA benefits that allow service members to have their annual fees waived if they were already on active duty when applying for their credit card. They will now charge an annual fee amounting to {$990.00} for myself and {$290.00} for my wife as an authorized user. The balance on the card must now be transferred to another card prior to cancelling, creating additional fees due to balance transfer. Barclaycard 's policy chan ge is unethical and forces service members carrying a balance to either pay a balance transfer fee to another credit card or pay an excessively high annual fee they were not anticipating.

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 2022-03-17
Company: Lamont, Hanley & Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Lamont , Hanley & Associates , Inc. harassed me over a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/22 at XXXX eastern time from phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When my son was in college at XXXX XXXX XXXX I cosigned 3 loans for him totaling {$42000.00} and after making payments for about 13 years the amount owed is {$53000.00} and I am trying to figure out what is going on. These are private loans and the servicer is Navient Solutions LLC and I am doing the math and it doesnt make sense. In addition to owing {$11000.00} after all this time of making payments I discovered something that needs some explanation. 
We received a letter telling us that there are some changes made to the account, due date etc. the only thing I saw that changed is the interest rate. There are 3 loans and here is my main concern : Loan 1 : {$170.00} ( payment ) - {$150.00} ( interest ) = {$16.00} ( principal ) Loan 2 : {$130.00} ( payment ) - {$110.00} ( interest ) = {$18.00} ( principal ) Loan 3 : {$140.00} ( payment ) - {$130.00} ( interest ) = {$13.00} ( principal ) With a payment of {$450.00}, {$400.00} goes to interest and {$48.00} goes to the principal, when will we ever be able to pay these loans off??? 
This is why the average person gets frustrated and stop paying their loans because at this rate they will retire and still not be able to pay it off. I am a senior citizen and the cosigner on these loans, this is not fair to anyone. Please can someone explain to me what is happening here. 
I am sending this information to Navient Solutions LLC, Consumer Financial Protection Bureau and US Department of Education with the hope that someone will help me to make sense out of this mess and give us a path to be able to pay these loans off, it is very frustrating and with all the help that the government is offering, these loans are not eligible for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
I RECENTLY TRIED TO BUY CAR FROM XXXX, I AUTORIZED THEM TO PULL THEM AND CAPITAL ONE AUTO FINANCE TO PULL MY CREDIT REPORTS, WE DROV TWO HOURS TO PICK UP CAR AND WAS TOLD CAPITAL ONE DENIED MY LOAN. I HAVE 6 CREDIT PULLS FROM CAPITAL ONE AND 1 FROM XXXX. THEY ALSO, PULLED 11 OTHERS.ESPECIALLY OMN MY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
A few days ago I bought a new truck from XXXX XXXX XXXX XXXX in XXXX Texas. Once the final price of the vehicle was established I was asked to go to the bank and get the down payment for the vehicle that we agreed to. Once I arrived back from my bank with the down payment I went to the finance office. In the finance office I was told that I have to buy extended warranty in order for me to buy the truck at the price we have already agreed to previously without any stipulations I was also told that I qualify for a lower interest rate at 2.5 % but because the dealership is not making enough money on the sale of the truck I have to pay 4.5 % interest first four months in order to secure the deal. They said just finance it for 4 months and then you can pay it off or refinance but not before then. I told him that's incorrect information he went to the manager and came back to the office and said they are no longer willing to sell me the truck then gave me my down payment check back. I had already invested four hours of my time being there and waiting with my family they used this against me and force me to buy the truck without warranty but with a higher interest rate he even showed me that I qualified at 2.5 % APR with almost to XXXX credit score and a very low debt to income ratio and 50 % down payment on truck.

Company response to consumer: Untimely response