BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I wish to make a formal complaint about an inquiry on my Credit File. The issue is that I applied for a Credit Card at XXXX Bank in XX/XX/XXXX in hopes to improve my credit rating and was approved but never received the card. I assumed there was a long processing time to obtain this card, but when I researched this issue at a later time I found out that they did send me a card but the address never included my apartment number so the card got lost in the mail. They then informed me that due to the delay in activating this lost card they closed the account. 
The Bank then informed me that I would have to start this process over again to obtain another card. I decided not to do this, but I have this inquiry on my credit file which gives the appearance that I have applied for credit but been denied. I wish to remove this item from my credit file to avoid any confusion from potential creditors. 
This inquiry will not be removed until XX/XX/XXXX. 
I sent a letter to Experian explaining this issue but have not receive any correspondence in resolving this issue. 
Latest Experian Report Number : XXXX : XX/XX/XXXXXXXXXXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
As a Federally Protected Consumer asserting my rights, I have attempted to resolve this matter with the company in question ; Santander Consumer USA. They simply responded by referring me to the collection agency that they sold/assigned the debt to and providing me with the copies of my original loan contract. Within that contract Ive found several violations where Santander Consumer USA are criminally and civilly liable. My attachments provide proof of ALL violations under 15 USC 1601, 15 USC 1681, 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/2015 I applied with " XXXX XXXX XXXX '' on line to refinance my student loan. And I was wrongfully " denied '' credit based on the numerous " False Information '' that the " Experian '' Credit Bureau has in my credit file due to my being the victim of " Identity Theft. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: SYNCHRONY FINANCIAL
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:
Dispute inquiry SyncbXXXX XXXX XXXX 
This is not authorized or signed by me. Please Delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Fleet Financial Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was refinancing my XXXX XXXX XXXX through ilending Direct and signed off on all my paperwork and they are a loan broker who works with various lenders to get approval! They got approval sent me all the paperwork, I reviewed and accepted the loan offer, this was approximately 3-4 weeks ago! They assured me at that time my current loan would be paid off so that I would not have to make a payment to the current lender, yet here we are almost as I said 3-4 weeks later and the new loan has not been funded and my payment is coming due with my current lender. I have contacted ilending several times about this and they keep advising that the lender is behind in funding loans, I have advised that my current loan payment is coming due and I need this loan funded as I was told so that I am not making the current payment and then have to make another payment in 2 weeks to the new lender! I spoke with them again today at XXXX XXXX XXXX  Thursday XX/XX/2022 and still do not have any answers! I am making this complaint because I have yet to be funded on the new loan and not getting satisfactory help from the lending broker who brokered the loan and really need this taken care of so not to mess up my current credit score because they are not handling this situation completely! Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
Continual reposting of something that was successfully removed from my credit

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 2017-03-29
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Commenity bank will not stop calling day after day about 6 times a day. When I do n't answer them, they start calling from a private number, when I ask who is calling, they will not tell me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit reports it is showing XXXX different company names XXXX and on the other XXXX. Which is it??? It 's also showing XXXX different open and close dates. One credit report is showing XX/XX/XXXX and the other is showing XX/XX/2012 as an open date for example. That would mean that I have XXXX different accounts, which I do n't have. XXXX different inaccurate information. The balances are showing {$0.00} and the account is showing closed on all XXXX credit companies, XXXX, EXPERIAN, AND XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: MI
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:
I checked my credit report recently and saw some items on there that I do not recognize. There are some negative collections accounts and inquiries that were not authorized to be printed on my report. This violates my rights as a consumer under the FCRA ( 15 USC 1681 ). I sent the company an affidavit stating these violations on XX/XX/2021 and it was received by them on XX/XX/2021. They said my information didnt match up the last time I contacted them so they couldnt do much but Ive since updated my info and I am exercising my right to have the items furnished by XXXX XXXX XXXX XXXX, and AD XXXX XXXX, along with the inquiries from clarity services and XXXX XXXX XXXX removed from my credit report, as I did not authorize or consent to them.

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 2021-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
please check the following accounts that appear in my report, without any authorization, are not mine Identity Theft BK OF AMER Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Disputed a charge and was issued a temporary credit, with the promise to be contacted, if the additional information is necessary. No additional information has been ever requested, either before or after the merchant 's response was received. At that point, Citi billed me back for the dispute and refused to consider any of my supporting documentation. In reply to my numerous requests that Citi must follow their own dispute procedures, I received replies that failed to address the Citi failure. Instead, the Citi so called Executive Office, kept replying - the merchant responded, we rebilled. The Citi customer service has never been good, but it became impossible in the past few months. Their customer service reps on line and on the phone are no better than their so called Executive Office, of which nobody seems to be in charge. All requests to escalate this matter and to provide me with the name and address of the person in Charge of Executive Office ended nowhere. They are so confused that are not able to understand that the reservation was made and billed through XXXX, on a totally false advertisement of the totally miserable XXXX XXXX. The nonrefundable charge was processed by XXXX, who should be held fully responsible for this unfortunate transaction. Instead of understanding the issue, the only problem with the hotel reservation I had on my trip to XXXX in XXXX, 2016, the Citi incompetent customer service kept pointing out that the miserable hostel does not agree with my claim and this is why I should pay. I DID NOT RECEIVE THAT FOR WHICH I PAID. CITI REFUSED, REPEATEDLY, TO FOLLOW THEIR OWN DISPUTE PROCEDURES, WHICH IS WHY THEY MUST REFUND THE CHARGE FOR XXXX XXXX AND THE ASSOCIATED FOREIGN TRANSACTIONS FEES PS - ATTACHED HEREWITH ARE MY TWO FAXES TO THE CITI CARDS CEO. VOLUMES OF EMAIL MESSAGES THAT I SENT FROM BOTH THE SECURE MESSAGE BOARDS AND AS REPLIES TO THE CITI PROMISES TO REPLY ARE AVAILABLE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been unable to access my Transunion Credit Report for over a year, via multiple modes. I have tried accessing it via XXXX and via the Transunion website, and I continually receive error messages which prevent me from accessing the report, which I have a right to view. I am able to access my XXXX  and XXXX  reports with no problem. 

Several months ago I spent hours on the phone with Transunion attempting to resolve the problem, and was ultimately informed that TU had two files for me ... one under my legal name ( XXXX ) and one under my nickname ( XXXX  ). I asked that they merge these files, which they did and I was briefly able to access my report as expected. The problem appears to have reappeared. 

I called in again today and was informed that I will need to contact the Special Handling department in order to resolve the issue, which is indeed the same as before. It is a national holiday and therefore the office is closed until Monday. 

I do not wish to call Transunion every single time I need to see my credit report in order to resolve this issue and I am deeply confused and frustrated as to why this issue keeps happening. How difficult can it be to deal with a person 's legal name and nickname which are both registered under the same SSN?

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 2021-06-18
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX  and I do not have a contract with CONSUMER ADJUSTMENT CO plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Payoff process

Complaint:
The Home Depot Consumer Credit Card automatically allocates any payment to a deferred interest balance if said balance is due to expire within XXXX billing cycles. This forces interest on any revolving balance. 

For instance I have a {$500.00} dollar deferred interest balance and {$250.00} in revolving balance. If I pay {$400.00} it will lower the deferred balance to {$100.00} and leave the revolving balance at {$250.00}. In a 30 day month that results in " forced '' interest charges of {$5.00}. 

I understand the idea behind this practice as it will help consumers pay off their deferred balances before the due date, but, for people who properly manage their accounts this becomes a major issue. 

Home Depot Credit Services is unable to change this automatic payment distribution.

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 2021-06-18
Company: Nelnet, 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: Their investigation did not fix an error on your report

Complaint:
I am writing a complaint on all remarks made on my credit report due to the fact of misused credit by lenders and the unauthorized use of my information for the financial gain of other corporations. Credit Bureaus without my consent and took my information to report on my credit report of accounts that have been created with credit but was not disclosed with consumer. The natural person original creditor. 

There are 6 different accounts from DEPT OF ED/NELNET All last reported on XX/XX/2021 which I was not informed on any of this information being reported. 

The price on each account is as follows .... 
{$26000.00} {$24000.00} {$20000.00} {$20000.00} {$3600.00} {$1500.00} There is no wet signature of mine on any document stating I owe any and or such alleged debt they state I owe. According to 18 USC 8 Obligations of the United States to pay any and all debts arising from consumer transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX continue to violate my rights under 15 USC 1681 & 15 USC 1692. I AM a Federally Protected Consumer and I AM asserting my rights via 15 USC 1601, is 15 USC 1681, 15 USC 1692. I have never contracted with XXXX ( XXXX  XXXX XXXX ) as well as I do not consent to them furnishing ANY accounts under my name. I tried to reconcile this matter peacefully several times in the past to no avail. NOW I demand that they comply with the law that they took an oath to and provide me my remedy that I have requested. The proof that I will be submitting today has also been sent to XXXX via Certified Mail! Those documents include : A Notary Presentment, An Affidavit of Truth, An Invoice, and Exhibits highlighting each violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America had easily offered to defer 3 months of my mortgage payment ( XXXX, XXXX and XXXX - each month for {$1900.00} ). This was all an easy transition, adding 3 monthly payments to the existing loan, due to COVID pandemic. Starting XXXX payments continued to be made on a regular basis. XX/XX/XXXX we initiated a refinance on the property, and the payoff amount was requested. The payoff amount in a letter dated XXXX XXXX, XXXX, now also included an additional {$7800.00} in interest deferral, escrow deferral and other deferred amount. The latter " other deferred amount '' could not be explained, nor can I find what that may be. I'd like to ask for further clarification as to why my total deferral amount, with interest and escrow included, is {$5900.00}. Yet the amount now includes also {$2000.00} additional. 
I have tried to obtain clarification, but am not able to get any clear explanation what is included. I am hoping that by this means, accurate information can be provided. 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 2021-06-18
Company: Experian Information Solutions Inc.
State: DE
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 checked my personal credit report, which I acquired from Experian. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. As it states on my XXXX  on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX, on XX/XX/XXXX there was an unauthorized inquiry for XXXX, and on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX XXXX XXXX. As it states on my XXXX  credit report on XX/XX/XXXX there is an unauthorized inquiry from XXXX and another from this same creditor on XX/XX/XXXX, and on XX/XX/XXXX there is an unverified and unauthorized inquiry from 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 2022-04-12
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the credit reporting agency to explain that the dates listed on this collection are invalid, I opened this account in XXXX this means that it is time for this account to be taken off of my credit report. Also the collection agency never sent me any information for me to verify the debt and the dates the debt incurred. I would like to have this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i am following up on a re investigation dispute sent in on XX/XX/2016, Received XX/XX/2016 and signed for at XXXX. today XX/XX/2016 I am speaking with an Experian XXXX. She states the company you have dispute with has 3 options 1 ) Remain 2 ) Delete 3 ) Closed I ask on my second dispute to get validation on this debt with my signature, SS, DOB? 

She replied as this creditor is signed up electronic and does not have to show or provide a copy of my signature or and personal information. it is simple the 3 choice above. 

I went so far as sending a police report stating identity theft and this could possible be an account that drive from it. So they kindly placed me on internal hold and the out come. not removed. Creditor Validation with a 1 of 3 choice nothing more. this is not fair

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 2022-04-12
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When I purchased a house in XX/XX/XXXX, someone was able to get my SS #, and opened a mobile XXXX XXXX XXXX account. They used a variation on my name, but my correct address for billing at some point in XX/XX/XXXX. The thief purchased a new phone and services, and racked up nearly {$1400.00} in debt. I only found out about it when XXXX XXXX XXXX sent the bill to collections, and then I was contacted in XXXX of this year ( XXXX ). 

After contacting them, I was sent a fraud packet, which I returned as requested, with a police report, forms of identification showing my legal name, copies of bills, and my actual XXXX XXXX XXXX bill ( I've had them for service for over a decade ). My request to decline the fraudulent bill was denied, and I was informed that I still was responsible for the money owed. 

When I challenged this ( XX/XX/XXXX ), I was told they would investigate it again, and XXXX weeks later ( XX/XX/XXXX ), XXXX XXXX XXXX sent me the exact same fraud packet, asking for the exact same information I'd already sent them, which will do nothing but put me through their same system again. At no point has anyone actually spoken to me, or compared the bills showing that I've been a customer in good standing for as long as I have. Nothing 'new ' can possibly come from sending them the same information again, and I have no intention of paying for a bill I did not accrue. 

Attempting to contact their fraud department via phone, leads to a message stating 'high call volume ' and to set up a report online ( which I did as well ), but at no point does it send you to an operator. The call then hangs up with no other recourse. Calling a line for 'assistance in setting up the online report ' does get a live operator, but they are unable to help in advancing any other information to 'powers that be '. 

To reiterate : I have been a customer in good standing for over a decade, and have not missed or been late on any payments in the same time. 
Someone else opened an account with a misspelling of my name. 
Attempted resolution of the debt has been declined for reasons not stated. 
Challenging this decision puts me back through the exact same process that has been denied already.

Company response to consumer: Closed with explanation