BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I recently bought a car from a dealership and I had the car for about two weeks and it is already lose power, lose oil and things like that and it has been over my I 30 day grace. But my car has been in the shop before my 30 day, grace period Therefore it is not being in my possession .I also read my contract, and it says that I can return it before my 30 day grace. Period. And the bank, they finance it to me credit acceptance I will provide all the paperwork from when my car was took to the shop

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 2018-11-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
SOME ONE HAD RECENTLY USED MY SOCIAL SECURITY NUMBER TO TRY AND OPEN A ACCOUNT WITH HSBC BANK AND XXXX  XXXX XXXX BRANCH BANK WHICH IS FRAUD BECAUSE I KNEW NOTHING ABOUT IT OR DIDN'T GIVE THEM MY SOCIAL NUMBER THEY STOLE IT SO I JUST WANT TO SEE IF YOU CAN TELL ME IF MY SOCIAL WAS RECENTLY USED TO APPLY FOR ANY BANK ACCOUNTS OR CREDIT LINES OR IS IN ANY OF THESE 2 DATA BASE PLEASE?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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 information incorrect

Complaint:
To whom it may concern : The information you see above is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: DISCOVER BANK
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a XXXX XXXX XXXX from XXXX on XX/XX/2022. 
I went through their online application that asked myriad questions regarding the property and primary mortgage was automatically found and pulled into the application. 
I read the disclosures prior to authorizing a hard inquiry of my credit report. 
The home equity loan was automatically approved for {$200000.00}. 
However on XX/XX/2022, I find that Discover will not issue the XXXX XXXX loan for single family homes on more than 20 acres or manufactured home ( even though converted to real property with the State of Nevada ). 

I talked to Discover Home loan representative and supervisor at Discover. 
The supervisor ran me through their website where, after 6 pages of drilling through various web pages not referenced in the online loan application, the following statement was seen : You can apply for a home loan from Discover using a home you own and live in as your primary residence. This residence must be a single family dwelling. Eligible property types include single-family homes, condominiums, townhomes, and Planned Unit Developments ( PUDs ). Other properties, such as investment properties, manufactured homes, commercial properties, log homes, trusts, and properties larger than 20 acres are not eligible at this time. 

At no point in the online application was this information prominently referenced nor the applicant directed to view, nor was this information displayed in their disclosure available prior to authorizing a hard inquiry for credit report. 

Discover obtained my consent to perform a hard credit inquiry where there was no possibility they were ever going to issue the XXXX XXXX loan. 

Discover.com home equity loan representative and supervisor refused to remove their hard inquiry from my credit report after leading me to believe, as a reasonable user of their online application process, that they would issue a loan if I passed their credit profile test which required consent to a hard credit report inquiry. 

If Discover had disclosed in their normal application process that manufactured or large acreage was not eligible, or if the application itself had questions relating to whether it was a manufactured home or property was larger than 20 acres, either the loan application process could have been cancelled by either discover or myself without having a hard inquiry reported on my credit bureau account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Name : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Account name : XXXX XXXX Date reported : XX/XX/XXXX In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: MD
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX  XXXX Balance Owed : {$880.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} ; DOE XXXX XXXX Balance Owed : {$0.00} ; FXXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XX/XX/2023.

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 2023-09-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting 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:
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX JPMCB CARD XX/XX/2023 XXXX I disputed these inquiries because I do not recognize them nor did I authorize them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
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:
In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under XXXX USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
on XXXX/XXXX/2017 we made our payments on time my husbands payment processed and mine did not even though we made the payment on time the payment for my account did not process and was assessed a XXXX dollar late fee and tried talking to them explaining that we made the payment on XXXX /2017 and it did not process I truly believe there system was having issues that the payment did not process

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 2018-11-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on XXXX that has the same amount supplied to the three credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Navient Solutions, LLC.
State: AZ
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:
So I'm in the same boat has many students that attending XXXX XXXX XXXX that defrauded and victimized students that went to the school and now closed. Along with navinet is where my issue starts so I'm in a program with the the DofE thats is going to get my federal loans discharged because of the XXXX XXXX fraud but I have no degree now and why am I still obilgated to pay navient priviate loans back when I have nothing to show for I am.going to get a lawyer for this I feel I should not have to pay anything back when I have no degree now that did not helpe.get my job navient predtory calls people into paying the money back but why am going to pay a company back money when navient is being investigated by the SEC and sued. Navient just reported late payment on my credit report and I feel that that is wrong when I have no degree so I will be disputing the late.payment on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Late Payment {$8200.00} XXXX XXXX XXXX XXXX Charge-off {$3000.00} XXXX XXXX XXXX Charge-off {$1300.00} XXXX XXXX XXXX Charge-off {$99.00} XXXX XXXX XXXX Charge-off {$5400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was fraud wire transaction on my BOA account of $ XXXX on XX/XX/XXXX. BOA denied my claim and I have faxed new evidence at the beginning of XXXX, however, they are sitting on my case and never reviewed my case. I am requesting BOA to review my case asap and return my money. Attached is the fax content.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18
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:
XXXX XXXX, XXXX account # : XXXX has violated my rights Under the FCRA and the FDCA. 

Under 15. U.S.C 1681 section 602 A : States I have the right to privacy They also violated my rights under 15. U.S.C 1681 section 604 A section 2 : Which states a consumer reporting agency can not furnish an account WITHOUT my WRITTEN instruction. WHICH THEY DID NOT HAVE!

They violated my rights under 15 U.S.C 1692b section 2 that states : shall not state that such consumer owes any debt ; This consumer has contacted me multiple times without consent and sent me letters. 

As well as under 15 U.S.C 1692b section 3 that states. Shall not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; WHICH THEY DID NUMEROUS TIMES! in attempt to collect a debt.

Again They also sent me a letter which violates my rights under 15 U.S.C 1692b section 5 that states : shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

After breaking all of these laws and violating my rights I demand justice and for the account above to be deleted from my credit report.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 unit 50 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late 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 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was the victim of a scam, where someone impersonated a student at my college and claimed to sell concert tickets that didn't exist. I paid for it with a debit card and discovered the scam while the payment was pending and called Capital One National Bank before the transaction was confirmed by my bank and they confirmed the transaction anyway. The total price of the tickets was {$700.00} on two transactions and Capital One National Bank gave me a temporary credit of {$700.00}. They accepted and approved my first disputed transaction of {$500.00} and gave me a final credit for that. They then however said the second transaction was authorized and retained {$200.00} of the temporary credit, even though I called them within 24 hours of making the transaction saying that I did not authorize it. I called the bank 's customer service before either transaction went through my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
According to FCRA all unverified accounts must be verified as accurate information in order for it to appear on my credit report, or, if the accounts are unverifiable it must be removed from my credit report. 
XXXX CO XXXX account # XXXX claims that I owe XXXX XXXX As an unverified account I demand that proof of debt and also proof that the court order was presented with a seal and signed by a clerk under case law 28 USC 1961.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief