BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-23
Company: Army and Air Force Exchange Service
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: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as latte for any purpose.

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 2022-12-12
Company: OneMain Finance Corporation
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 status incorrect

Complaint:
upon receiving message that my application for credit was supposed declined. I realized that I had not applied for credit for maths now. So I reach out to the company a I was told that they have no record of me XXXX  for credit. but next day there it was on my report. 

So I called the XXXX  ( obviously pointlessly ) since the bureaus are compliant with the scammers out there and there's no checks and balances clearly.. 


anyways. the bureaus shrugged off and told me to complain to FCBP so here I am now I also went to the same company west site and simulated a new credit application... but I didn't use my name. I used a same name but scramble the word XXXX and change the last name. and as social security I literally used XXXX that how much of a joke that was. 

guess wha ... same thing I got a hit as hard inquiry win my report with indicates. all the disputes on my report are wrong and I demand them to be removed and deleted completely this is absurd and should not happen .. Im recording phone calls emails a and letters.. 

I'll will litigate in court and believe me .... will be stressful for all parties involved .... 

please and thanks ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A number claiming to be Synchrony Bank has called me every single day since XX/XX/XXXX and left a recorded robo-message in my voicemail with a call back number. The messages are typically the same, but sometimes they do explicitly refer to PayPal Credit. I have called the bank from the number on their website and confirmed ( using my SSN ) that I do not have an account with them. I have also confirmed this on my credit report. I tried to confirm the validity of the number in my voicemailbox with the main support line on Synchrony 's site, but it was not helpful. I do not have an account with Synchrony, I will not give a random number my SSN, and I'm tired of removing voicemails from a blocked number.

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 2022-12-12
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I XXXX : XXXX reached out concerning a transaction between XXXX, XXXX XXXX XXXX dated XX/XX/XXXX involving note and security deed and secured by residential property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee, XXXX, on XX/XX/XXXX. 

The letters I sent were to inform KIA MOTORS FINANCE/ KIA FINANCE AMERICA XXXX that I am exercising my right to rescind this transaction due to a breach in contract which deemed to be null and VOID at the time that the transaction had taken place due to the lack of FULL delivery of all material disclosures that are relevant to the plan. 

Upon reaching out dated XX/XX/XXXX, in response to my letter mailed and dated XX/XX/XXXX. In my letter dated XX/XX/XXXX, I disputed the Alleged {$16000.00} debt that you are attempting to collect. I additionally requested verification of the alleged debt pursuant to my rights under the FDCPA. I am within my rights to request a verification under the FDCPA. I requested a copy of a signed contract. I also requested that you delete any and all reporting made to any consumer credit reporting agencies. You have clearly failed to address my very specific legal request to RIGHT OF RESCISSION, CEASE AND DESIST delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( consumer credit reporting agency ) credit information that is known or which should be known to be false, and KIA MOTORS FINANCE/ KIA FINANCE AMERICA are in clear violation of the FDCPA.

KIA MOTORS FINANCE/ KIA FINANCE AMERICA failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of KIA MOTORS FINANCE/ KIA FINANCE AMERICA sending me a signed contract of agreement signed by all parties involved as requested, KIA MOTORS FINANCE/ KIA FINANCE AMERICA mailed me a ( Re : Request for Information about Your Account ). ( Re : Request for Information about Your Account ) is NOT a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Also, my personal information was released without my consent or knowledge to a third party.

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 2022-08-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I sent a letter via regular USPS mail and certified mail ( tracking ID # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ) In accordance with the Fair Credit Reporting Act the below have violated my rights. 

-XXXX XXXX XXXX Account # XXXX ( partial account number ) -U.S. Bkpt CT Fl XXXX Identification XXXX : XXXX -XXXX  Partial Acct # : XXXX -XXXX XXXX Partial Acct # XXXX -XXXX  Partial Acct # : XXXX - XXXX XXXX XXXX XXXX # XXXX 15 U.S. Code 1681 section 602 A states that I have a right to privacy 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-01-04
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I bought my wife a one-carat diamond ring to commemorate our XXXX wedding anniversary in XX/XX/XXXX, using XXXX XXXX Credit Card issued by Comenity Capital Bank XXXX It took me 30 years to buy her a diamond ring, and it needed another 12 months to pay it off. However, due to personal circumstances, I could not pay the remaining account balance in full in XX/XX/XXXX, the last month of the twelve-month promotion. The balance in XX/XX/XXXX was {$400.00}. Shockingly, I found that Comenity Capital Bank imposed a {$480.00} finance charge in the XXXX statement, which included all interests accrued in the past 12 months. Although I filed a dispute to request a waiver of the finance charge, it had been rejected. Until I checked Account Summary of the XXXX XXXX Credit Card website in XXXX, I absolutely had no idea that interest had continued to accrue over the past 12 months! I have been receiving paperless online PDF statements so that its hard to check the monthly statements line by line, page by page. I cant understand that Summary of Account Activity on the first page of the monthly statement and Account Summary of the XXXX XXXX Credit Card website state nothing about interest accrued for the past 11 months until XX/XX/XXXX. Above all, Comenity Capital Bank placed details on interest accrued for the past 11 months on the third page of the four-page statement, which I cant understand at all. Surprisingly, however, the XXXX statement shows all account activities and accrued interest as the attached XXXX statement shows. It proves that Comenity Captial Bank has intentionally and deliberately hidden information on account activities and accrued interest to confuse customers and give them false information! No one would imagine that interest accrued for the past 11 months would be charged at once since it was listed or shown nowhere. I doubt if all of the above is Comenity Capital Banks fair business practice to their customers. Although Comenity Capital Bank should have notified transparently that they would charge all interests accrued in the past 11 months or impose a certain amount ( {$480.00} or whatever amount ) as the finance charge in XXXX if the account balance is not paid in full by the XXXX payment due date, they didnt do so. Their warding on the monthly statement is so unclear that it seems to intend to confuse customers and prevent them from paying the remaining account balance in full. To sum up, Comenity Capital Bank significantly forces customers to accept an unfair condition. Accordingly, this is an unfair contract since it forces customers to accept an unfair condition disadvantageous only to consumers. I think I only have to pay interest on {$400.00} since my remaining account balance was {$400.00} in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Nelnet, Inc.
State: NC
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:
Around XX/XX/XXXX Nelnet reported during the period of student loan payment suspension to the credit bureau a balance increase of my loan and my loan was 90 DAYS past due. Nelnet never sent any documentation or notified me in writing that my bill was past due. I never received anything in writing with a date that my payments would resume and I did not agree to start making payments during this time. This has caused my Credit Score to Drop XXXX points and damaged my perfect payment history overall on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Nelnet, 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:
Nelnet/US Dept of Education is now the loan servicer of my student loan. This loan was transferred to them from a company called XXXX. I was never informed of this transfer until after both agencies contacted me demanding money. This is not allowed by law as it states a consumer is to be notified in writing before such actions are taken. 

Under the Family Education Rights and Privacy Act of 1974 all my student records are to remain private between myself and my institution, I singed an agreement with my university vowing none of my information would be shared with third parties or it's affiliates. FERPA clearly states that all records including my transaction history is to remain private. Reporting my personal identifiable information to the three major credit bureau 's violates this act. 

Further under the Privacy Act of of 1974 it clearly states no information is to be shared without my permission. I never gave permission nor have I ever waived these rights. 

By placing this very private and personal information that is supposed to be between myself and my university, all my information is available for anyone to see. This information can be used to prejudice me and used against me. This agency along with the Dept of Education and XXXX have willfully misused my private information. They have also ignored my request, also available by law to opt-out of reporting this private information. 
16 CFR 6805 states companies are to provide consumers the option to opt-out of certain credit tradleines from being placed on their credit report each month, yet this is not enforced. I wrote these agencies requesting to opt-out yet they chose to ignore me. 

Due to the damaging and purposeful misconduct of these agencies I am seeking remedies immediately. I have files a Fraud report with the FTC because that exactly what happened. Anytime a consumers private information such as name, address, phone numbers, social security number, complete transaction and financial history is given to another person, company or other and used for any purpose they want, and without their knowledge - that is called Fraud. My social security number belongs to me and the Social Security Administration, no one else, it is backed by the Federal Reserve. and is not to be given to anyone. 
Please see the attachments provided. I demand this information be removed from all three credit agecies, as allowed to me by law within 4 days under 15 USC 1681, 605 - block of information from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, 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 status incorrect

Complaint:
I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts because I believe it was reporting in error. 

XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$50000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had this credit card account for over 10 years and it is in good standing and has never had a single late payment. I also have considerable other financial relationships with Citi, all in good standing. As a complete surprise, I received a letter dated XX/XX/2021 informing me that my credit limit had been lowered from {$15000.00} to {$1700.00}, for " serious delinquency ''. I do NOT have any " serious delinquency '', nor do I owe any money to anyone, I pay this card and ALL other revolving accounts IN FULL every month. It is absolutely unacceptable for Citi to " nickel-and-dime '' me in this way. I usually use this account for charges of around $ XXXX {$4000.00} a month in order to generate XXXX points and I always pay in full each month, the new limit makes this card practically useless. In addition, Citi stated that their decision was based on a report from XXXX Credit Information Services. I reviewed my XXXX credit report and found no negative information of the sort stated by Citi in their letter.

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 2022-12-12
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer is Fay Servicing ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). We have an impound account for our mortgage through their company. They did not pay my home owners insurance through the impound account so I paid this out of my own account. They also did not pay my property tax on time so I again paid this out of my own bank account ( {$9000.00} ). As they have not been making timely payments if they pay at all I called on XX/XX/XXXX requesting to close my impound account and that I would pay property tax and other payments on my own. I was told by the representative that they would not do this. When I asked to speak to a manager I was told one was not available. They reported they paid the property tax even though the county assessors office has no proof they have but instead showed that I paid the account on my own. 

I have attached my property tax bill that was due XX/XX/XXXX as well as evidence from my bank account that I have paid this bill instead of the impound account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : XXXX  # XXXX. 
Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is collections account on my credit report with the total of {$2600.00}. This is not the first time this debt has been added to my report. I disputed it last year with XXXX and it was removed from my account immediately. This year it has been added back on. I am not the owner of this debt and I would like it removed and not put on my credit report again. The company name is XXXX XXXX  XXXX. This company has not reached out to me about this debt and has not provided any proof that the debt belongs to me. I will like this removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 Section 602 A states the right to privacy.

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. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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