BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Nissan Motor Credit charges excessive interest rates on leases on their more expensive vehicles. I recently was arranging a lease on a XXXX XXXX XXXX edition for my wife and the interest rate was approaching XXXX  %. My credit score is over XXXX so it had nothing to do with my credit. I told them I was going to take the lease to my bank and they told me Nissan would not allow it. They also let it slip that they charge higher interest rates on more expensive vehicles because the customer can afford.it. I offered to pay a significant amount down to reduce the egregious interest and they told me that wouldn't really help and would only reduce my payment but would not reduce the interest. I would never have leased the vehicle except that my wife really wanted it. I have recently co-signed on leases on less expensive cars for my children from Nissan at much lower interest rates so this was a very bad experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX 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

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 2022-07-29
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Recieved Voicemail : XX/XX/XXXX This message is for XXXX XXXX my name is XXXX XXXX which social services I've been instructed to contact you in regards to an active order of location that's being issued and filed against you through your county due to avoided contact they have instructed me to speak with your employer once the paperwork is submitted they will have to make a determination whether or not you're on the premises to avoid any further penalties you may contact the proceeding office XXXX file number a.m. XXXX this is your official legal notification XX/XX/XXXX Called back spoke with XXXX XXXX. Refused address or fax number. advised that this debt was originally from Citi XXXX I advised that this loan was purchased by XXXX XXXX in XXXX and that this was part of a XXXX  XXXX Bankruptcy in XXXX. 
Advised to speak with My Atty : XXXX XXXX. They advised that this was not cleared by Bankruptcy. I said it was on the schedule and was discharged XX/XX/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 2022-12-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This account has been disputed. The creditors are reporting an account as on status. The reporting account status is closed and needs to be deleted immediately. 

The creditors are giving an automatic verified and not doing an proper investigation

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 2023-07-31
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: NE
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:
XXXX XXXX loan XXXX was paid in full on XX/XX/XXXX. 
On XX/XX/XXXX Experian responded back on the dispute stating XXXX XXXX reported the balance is still owed. 
I spoke with XXXX at XXXX XXXX collections, XXXX. She stated that they are allowed 8 days from time the debt was paid to verify it was and 30 days to update the report on the credit bureau. 
The balance is updated on XXXX and XXXX, but as of XX/XX/XXXX Experian responded again to my filing a dispute stating the balance is still owed. This a a violation of FCRA to inaccurately report a consumer 's debt owed/paid.

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 2022-09-26
Company: EQUIFAX, INC.
State: MO
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:
Dear Sir or Madame : I am writing this formal complaint today regarding a failure to address a negative entry I have disputed multiple times. The entry has not been addressed as either investigated and verfied, nor deleted. The negative entry is XXXX XXXX XXXX XXXX and my suggested resolution is that Equifax comply with the requirements in the Fair Credit Reporting Act, and either investigate this information as requested in the original dispute letters and verify its accuracy, or remove the information from the credit file. I have included all letters, signature mail reciepts, and credit entry showing the listing referenced. I have filed a seperate complaint regarding this collection agency as they have failed to validate or verify the information regarding the alleged debt. The reference number for this complaint is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-12-06
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, a summons from C/o Stenger & Stenger , PC ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ) was served at a relatives address on my behalf. After reviewing the summons, I noticed a few items that were incorrect that need to be addressed : # 1 The date the case was filed shows XX/XX/XXXX - that's approximately a year ago. The address in the summons is my previous address ( that was crossed out ) - I was NEVER served paperwork at that address. # 2 The address the representative at Stenger & Stenger read from my file was an address I have never resided at, heard of and is in no way shape or form connected to me at all. This was potentially an error from a paralegal or other representative from this law firm.

I called Stenger & Stenger to request a settlement of a negotiated/agreed upon balance due but was denied any type of settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I have a XXXX XXXX in my name location in XXXX and I have never even been there before.its almost {$350.00} and I need to get rid of this i was incarcerated for 14 mtgs and other than that have been in XXXX pa for almost 4 yrs now. Also I filled my back payment for employment and yet to hear anything I have been out of work since XX/XX/XXXX or XXXX and didn't get my unemployment started untill XXXX or XXXX so if anyone wants to look in to that as well I will be extremely greatful. Also I tried to help my credit by applying with self now I have two accounts and don't know how to close them.also my debt card for XXXX was lost and spent {$1500.00} on it and I went back to jail before I was able to get something done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Each time I call Navient, Department of Ed, or email FASFA I receive different information. I currently have a Joint Spousal Consolidation Loan that is serviced by Navient. Law was passed on XXXX XXXX allowing the separation of these loans. I have called all three agencies to get information and am told there is no process in place. I called Navient about a forbearance while DoE figures out the separation process and was told that I need to continue to pay my and exes portion of the loan until it is paid off. I have filed for PSLF after 23+ years in public service under qualified employers and the application can't be processed and was told that it can't be processed until separation is complete. Navient says to call FASFA, I call them and am told to call Navient who then says to look on studentaid.gov where there is no information. No one has answers and in the meantime, I continue paying for a loan that should be forgiven and on a portion that isn't mine.

I have asked Navient for a complete history of my loan. Payments as well as times in deferment/forbearance as was sent an incomplete list missing. The first papers were missing 12 years, when I sent them an email letting them know that is was incomplete they sent me a new one missing 10 years of history. Navient then said that since my loan had been transferred from servicer to servicer after they were all shut down there is no record of about 10 years of my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Credit Corp Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Credit Corp Solutions Inc. is in violation of my rights. Not only was I not notified of this debt before the company sued me, but they also are in violation of Fair Debt Collection Practice Act again as they are conveying False and Misleading Representations as a debt collector. Credit Corp solutions is not licensed in Georgia as a debt collector, neither do they hold any Georgia licenses as per the NMLS Consumer Access database. Furthermore, they are in violation of my rights under the law in regards to privacy, as I did not grant this company permission to have access to my nonpublic personal information. I have never done any business with this company nor do I have any contracts with my signature from this company. Lastly, this company is suing me for alleged debt but they can not declare under penalty of perjury that this debt even exists nor have they produced a valid copy of a contract with the so called creditor with my signature as verifiable proof of the alleged debt which is also a violation of my rights as according to FDCPA debt collectors must validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: AMERICAN HONDA FINANCE CORP
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:
XXXX is showing late payments on Account Number XXXX for my honda car payment. XXXX  and XXXX shows up as accurate and 100 % payments made on time, please update this information as accurate and payed on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX IC SYSTEMS INC placed a collection account on my credit bureau reports for {$320.00}. I wasnt contacted by this collection agency or notified of this. I never owed the debt claimed, there was a clerical error in XX/XX/2017that I provided proof it was a mistake resulting in being fully resolved. I now have a new collection agency attempting to collect an old debt, never owed from 3 1/2 years ago. I filed disputes with XXXX  & XXXX  with no result. There isnt any way to LEGALLY document proof of this debt because I never had an account with XXXX  during the time period. I had an account with XXXX XXXX before they were bought out or merged ( not sure of specific business standing ).

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 2022-12-06
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:
I, XXXX XXXX, reviewed my consumer report on XX/XX/2022 and identified that Experian is willfully reporting inaccurate information, which is unfair to me because I was never notified during Experians initial investigation nor when this inaccurate information was furnished. Pursuant to 15 USC 1681i ( 5 ) ( A ) ( i ), Experian is violating my consumer protected right by continuing to report inaccurate information.

Pursuant to 15 USC 1681 ( a ) ( 1 ) : Experian has committed a grave error and undermined my belief in their abilities.

Pursuant to 15 USC 1681 ( a ) ( 3 ) : Experian assumed the role of accurately reporting consumer information, and a competent court of jurisdiction or me did not give them express permission. Experian failed in their initial investigation for accurate information, and they assumed the information was valid, which is another violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) : Experian did not ensure this informations accuracy or exercise any grave responsibility with fairness and impartiality.

In good faith, I notified Experian, in writing the attached inquiries were inaccurate and of no benefit to me as a consumer and to delete them. They did not fulfill my request, so I must file this federal complaint because I communicated directly with Experian only to be ignored and violated!

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 2022-12-06
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:
Multiple names, numbers, and addresses that are not associated with me. I was able to locate an open credit card with XXXX  XXXX. For a ( {$1000.00} ), the company was contacted and cancelled fraud report was filed. 

XXXX XXXX XXXX and Experian were notified, ant the fraud protection was communicated with. 

Nothing was completed except more harm to 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 non-monetary relief
Consumer complaint received 2022-09-23
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXX M XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.

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 2022-12-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
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:
Since XXXX, 2022. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX data breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me anxiety, mental fatigue and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX XXXX, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.

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 2021-04-30
Company: Progrexion Holdings, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
On XX/XX/2020 I heard a radio commercial and called CreditRepair.com regarding an item on my three credit reports. The person I spoke with at that time seemed sympathetic with my situation and assured me that Credit Repair .com could certainly help. He stated that it may take some time, perhaps three months. I signed up and let them do their thing. Now five months later and after almost {$600.00}, they have not been successful, and in fact have simply sent out form letters every month as " challenges ''. I spoke with them to terminate my subscription and felt like a complete loser that I had given them so much money. Now they say that not only will they not credit me back any of the funds, but they bill in arrears and I have more charges coming. I have no idea how they could bill in arrears when I was billed originally on XX/XX/XXXX, just one week after we first spoke. They have billed every month on the XXXX since then in the amount of {$110.00}. I can't believe I was scammed out of {$600.00}. AND THEY WANT MORE!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TRUIST will not let you pay off a mortgage at a branch office or online. The only way they will let you pay off a mortgage is Wire transfer or Cashier check. This is not acceptable. They try to make it impossible to pay off your mortgage

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 2022-12-06
Company: Grain Technology, 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: Their investigation did not fix an error on your report

Complaint:
This account has been disputed. The creditors are reporting an account as on status. The reporting account status is closed and needs to be deleted immediately. 

The creditors are giving an automatic verified and not doing an proper investigation

Company response to consumer: Closed with explanation