BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-02
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This attempt to collect a debt that is not mine. This company contacts me by being served at my home. On a car I had 7 years ago the car was repoed 7 years ago. The company I got the car from went out of business 7 years ago. I had nothing to do with this car after that. Until this year I got served saying I owe money for it being stored and towed off the streets in a whole other county I dont live in and I have had nothing to do with this vehicle for the last 7 years. This place called Kelstin Group is now withholding my income. Please help me. I have talked to DMV and the company trying to sue me. Dmv says they have no right to sue me over a repo they took and I have nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Experian Information Solutions Inc.
State: NV
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:
experian XXXX and XXXX hace derogatory listed on my profile.i am disputng those derogatory posted.

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 2022-06-10
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:
Ive spoken to XXXX many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. XXXX was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
State: GA
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:
In XX/XX/XXXX, I filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on my report. Specifically, the two bankruptcies XXXX and XXXX. The Agency - Experian then alleged to have verified my public record information with XXXX and the US Bankruptcy Court. I proceeded to ask for a Re- investigation on XX/XX/XXXX and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/XXXX at XXXX XXXX, speaking to XXXX Agent XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/XXXX at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Experian or any XXXX XXXX XXXX. 
The only clear thing is that the Experian is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Experian. I humbly ask for assistance in having this information deleted from my Credit file at Experian.

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 2020-01-05
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Syncrony Bank  who is the bank for many department store credit cards such as Old Navy, JcPenny, and Rooms to Go have consistently lowered credit lines based on what they refer to as periodic credit reviews even when the customer has paid on time as agreed. The problem with this is by them lowering the credit availability while the is still a balance it increases the customers net fraction burden which lowers the customers score even more. The is causing harm to the consumers as it has a direct impact to the customers credit score. The bank also sites high balances relative to credit availability as a reason to lower the original approved line amount. Their actions are a cause of the very reason they are using to justify their actions of reducing customers credit availability.

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 2020-01-05
Company: EQUIFAX, INC.
State: NV
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:
XXXX equifax and XXXX hace derogatory listed on my profile.i am disputng those derogatory posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX and transunion hace derogatory listed on my profile.i am disputng those derogatory posted.

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 2017-07-24
Company: Experian Information Solutions Inc.
State: WI
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:
I found out that Experian made many mistakes with my credit report when I applied for a mortgage. They listed many credit cards that did not belong to me. As a result, it dragged down my credit rating. I wrote a letter to them to correct the mistakes. They sent me another report with many wrong addresses. When I tried to correct the mistakes through their web, they asked me to submit documents to prove that I never lived in one of those places. How do I produce documents to prove that I never lived in one place? I 've spent hours on the phone with different credit card companies to explain that I did n't have the credit cards that showed up on my Experian credit card report. They created so much stress in my life because of their careless attitude toward consumers ' 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 2017-07-24
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I found out about this debt via credit alerts. I call Berks Credit & Collection and informed them I never received a statement from them nor did I receive a statement from the Original Creditor. I stated to them that they were in violation on the FCR Act. I had an attorney sent them a letter of dispute with no responds ( see attached ). I ask them for proof that they mailed me any statements and was denied. This should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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: Report provided to employer without your written authorization

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 XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 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 2018-12-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
my credit report states that my loan was late making my credit negative, I was in forbearance each time that it states I missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: EQUIFAX, INC.
State: CT
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:
The account of XXXX XXXX XXXX is the result of fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: SUN LOAN COMPANY INC.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Called Sun Loan Company on XX/XX/2018 to speak about not being able to make a payment that month due to not having money at all that month. The woman cursed me up and down and continued to ask about my partner whom I'm not married to, living with me, though separate household/and bills. Partner was in the middle of filing bankruptcy and I said that he was and the lady immediately began to curse me and ask me for a case number, etc and I felt attacked and it wasn't my place in my mind to give information out like that. When I stated that I don't have that information on his bankruptcy case at the moment and didn't know which attorney he went through, ( even though I did, but like I stated, it wasn't my place to say anything. ) The woman hung up on me. Since then, Sun Loans have called and harasses me two to three times a day from Monday through Saturdays and even calls my mother and best friend to inquire about me. I've been harassed as well about a friend 's loan that she went arrears with 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
Consumer complaint received 2015-04-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had an old account with firth third bank back in XX/XX/XXXX. I paid the overdraft fee at the branch. to date this this information is still showing up in my check systems history. theyare reporting the account as inaccurate. ive given the documentation of payemetn ( XXXX ) separate times. It is still on my report as of today XXXX XXXX. Im extremely furious and I wont them to be geld accountable for this inaccuracy, and remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX I leased a XXXX XXXX XXXX from XXXX XXXX XXXX, located in XXXX, VA XXXX. On XX/XX/XXXX I returned the vehicle to the same dealership as per the lease contract. On or about XX/XX/XXXX I returned the license plates to the VA DMV located on XXXX XXXX XXXX in XXXX, XXXX Because I was not the registered owner of the tags the DMV representative advised me that he could not provide me with a receipt. In XXXX of XXXX I received a bill from Acura Financial Services ( AFS ) in the amount of {$110.00}. I immediately called their customer service office and was told that the {$110.00} was for taxes owed for the XXXX in XXXX. I explained the above information to them. They have repeatedly requested more documentation from me, which I have already explained that I can not get from the DMV. I contacted the XXXX XXXX County tax offices and was able to obtain a copy of the tax bill for the XXXX, which again was not registered to my account. I submitted the tax bill to the AFS office in order to clear up the outstanding balance. I have attached a copy of the tax bill from XXXX tax office, which shows that the XXXX account was closed on XX/XX/XXXX, to this complaint. ( Somehow XXXX was notified that the license plates were returned to the DMV ). AFS continues to send me bills and letters to include a tax bill that clearly shows that the taxes due are for XXXX. In one such letter they stated that I owe {$640.00}. When I questioned the AFS customer service rep, that called me about this very account, she could not explain the {$640.00} amount. It is apparent that AFS does not have good record keeping practices and obvious that I did not have the vehicle in XXXX, as their records will show. Therefore I do not owe any taxes for the vehicle in XXXX. AFS continues to call and harass me on a regular basis and has recently sent documents to the credit reporting companies, which have already adversely affected my 800+ credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: T.S. Holdings
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a 6 month payment agreent with this third party creditor. The last on time payment was XX/XX/XXXX. An automatic debit was set up for these payments to come out of my account monthly. There is still a balance showing on my credit report although the last payent was recieved by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
We received an email on XX/XX/XXXX that a dispute to the loan we secured with Affirm.com had been denied. However, we immediately notified Affirm that we did not make any such dispute. They responded more than XXXX weeks later on XX/XX/XXXX that said no unauthorized activity had occurred ( which is not true - a dispute was filed ) and they had restricted our account so that we would not be able to take out any other loans. It is completely unacceptable for us to notify a company of unauthorized activity ( as any responsible consumer should do ) only to be responded to by the company calling us liars and restricting our account to deny any future loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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 the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. 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 explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. 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 explanation
Consumer complaint received 2020-01-05
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX of 2019 Citibank offered to open a new checking account, which allowed to earn XXXX XXXX XXXX XXXX bonus miles after meeting certain conditions, specifically by depositing {$15000.00} and keeping them for at least 60 days ( see the attached ). As I found out later the Citi program internal code was XXXX. 
I stopped by two different local branches, but nobody had any idea about this program and offer, and refused to open an account. After multiple attempts and calls to Citi, I finally opened online an account on XX/XX/2019 and deposited {$15000.00}. Per Citis request I also submitted a Form W-9. My full {$15000.00} deposit is still with Citi. 
After 60 days of my account opening, I started calling to your customer services department ( I have a record of all my calls and hopefully you too ) in order to find out when the promised miles would be posted on my XXXX XXXX account. Unfortunately, every time I had to explain to a representative the program that nobody was familiar with, but the response has been the same : I am eligible for the bonus miles, and should receive them soon, but it could take up to 90 days after initial 60 days. 
Finally, this due date had passed, but the miles have not been posted. On XX/XX/ 2019 I called again and talked with a customer support supervisor. He told me that he could not figure out what the situation with the bonus miles was and opened an internal inquiry # XXXX. He also stated that the investigation would take another 5-7 business days. 
Yesterday I talked with another supervisor. She told me that she could not find the initial trouble-ticket and opened a new one XXXX. However, she told me that it would take another 20 business days to investigate. 
Such situation is extremely frustrating to me, and I perceive it is a deceiving practice if not to say a fraud. I have spent many hours on fruitless discussions with clueless Citi representatives without any result. Meantime, Citi is using my money basically for free without any interest. 
Based on the above I am demanding : 1. Immediately post XXXX bonus miles on my XXXX account ; 2.  Get an explanation how the financial institution as Citibank could treat such terribly its customers, and what will be done to fix this problem. 
I believe I am not the only customer of Citibank who deal with this problem. Therefore, I hope that the Customer Financial Protection Bureau will look at this situation in order to avoid it in the future and protect many of us. 
Thanks,

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 2018-12-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
My husband and I leased a XXXX through XXXX XXXX ( XXXX ) in XX/XX/XXXX for 3 years. All lease payments were made in full and on time ( see Lease payment History attached ). At the end of the lease XXXX   sent us a letter to purchase the XXXX for {$18000.00} dated XX/XX/XXXX that was good through XXXX ( see purchase quote attached ). OnXX/XX/XXXX we purchased the XXXX through XXXX XXXX XXXX who sent XXXX a check for {$18.00}, XXXX as payment in full ( see letter from XXXX attached ). XXXX   received the check from XXXX at XXXX XXXX on XX/XX/XXXX ( see XXXX tracking record attached ). On XX/XX/XXXX XXXX   sent XXXX a signed Bill of Sale ( see copy of Bill of Sale attached ). Also on XX/XX/XXXX XXXX sent XXXX the Certificate of Title for the XXXX with a signed release of lien by XXXX ( see Certificate of Title attached ). Despite receiving payment in full and releasing its lien on the vehicle, in XX/XX/XXXX XXXX   fraudulently had our vehicle removed as a " repossession ''. After several conference calls with XXXX, XXXX, and us we were finally able to get our vehicle back that was wrongfully taken because XXXX had no legal right to possess or repossess our vehicle. But, even after we got our vehicle back onXX/XX/XXXX XXXX sent us a fraudulent Notice of Lease Termination and Early Termination Liability letter seeking payment of {$19.00}, XXXX ( see letter attached ). In addition, XXXX placed false and damaging messages on our credit reports which caused our credit scores to decline by 19 points.

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