BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
Company: Waypoint Resource Group, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never had XXXX and recently a bill showed up on my almost perfect credit report as in collections, I tried numerous times to reach out to the collections agency and file disputes for the item, and both types of attempts failed. I then gave in because Im trying to buy a house, to settle the debt to have them remove it from my credit report. Waypoint Resource Group made me pay the money even after I told them it was not my debt and knowing that they were not planning on removing it from my credit report. It is unfair that a debt that is not mines is negatively affecting my credit report and I would really like it removed. PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: SC
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:
n 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, A DISCRIMINATORY AWFUL EVIL CORPORATION THAT WAS TERMINATED FROM DOING BUSINESS WITH THE STATE OF FLORIDA HOMETOWN HEROS PROGRAM, IS ARTIFICALLY AND ILLEGALLLY PLACING INCORRECT AMOUNTS OF MY MORTGAGE PAYMENTS ON ALL THREE CREDIT REPORTS!! THIS IS DISCRIMINATING AGAINST A XXXX PERSON AND VETERAN AND PREVENTING ME FROM SELLING MY HOME OR MOVING CLOSER TO HELP AN OLDER FAMILY MEMBER. XXXX XXXX  IS PLACING THE WRONG AMOUNTS ON MY CREDIT REPORT, REPORTING THAT I HAVE A XXXX $ LOAN INSTEAD OF A XXXX $ VA LOAN, AND RUINING MY CREDIT SCORES AND REPORTS!! THIS LOOKS TO ANY CREDITOR THAT I HAVE PAID XXXX, REPEAT XXXX ON MY MORTGAGE!!! I DEMAND THAT THEY PROVIDE REASON AND DOCUMENTATION THAT I HAVE PAID XXXX $ OR MORE IN PRINCIPLE. STATE WHY AND SITE THE LAWS OF FLORIDA OR FEDERAL LAWS THAT YOU ARE PURPOSLY AND WITH MALICE STATING THE WRONG MORTAGE AMOUNTS ON Y CREDIT REPORT!! WHAT XXXX XXXX  IS DOING IS ILLEGAL AND UNETHICAL! I HAVE REPORTED XXXX XXXX  TO THE MN AND FL ATTORNEY GENERALS, AS WELL AS THE FICO CORPORATION AND THE CFPB AND THE XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
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:
Request for Removal of Inaccurate Collection Account - Account Name : XXXX XXXX, Account Number : XXXX I am writing to bring to your attention an erroneous collection account that has been added to my credit report. As a consumer, I believe this account violates the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ) and request your assistance in having it promptly removed. 

Account Details : Account Name : XXXXXXXX XXXX  Account Number : XXXX Explanation : 1. Inaccurate Verification : I have been informed by the reporting agency that this collection account was verified, despite the fact that I have never had any business or financial association with XXXX XXXX. This verification process was conducted erroneously, as I have never engaged in any transaction or entered into any agreement with this company. Therefore, the account is incorrectly linked to my credit history. 

2. Financial Hardship : The presence of this unjustified collection account on my credit report has significantly impacted my financial standing, causing undue hardship for both myself and my family. It has limited my access to credit opportunities, making it challenging to secure loans or favorable interest rates. Removing this inaccurate account will help alleviate the financial burden we currently face. 

I kindly request your immediate attention to this matter and the initiation of an investigation into the validity of the collection account. Based on the information provided, I firmly believe that this account should be removed from my credit report to ensure accuracy and fairness. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution. Please provide written confirmation once the investigation is complete and the inaccurate collection account has been removed from my credit report. 

Thank you for your assistance.

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I called to update my email address so that I could log in to unfreeze my account as I am trying to buy a new vehicle ( it's called XXXX XXXX XXXX XXXX XXXX XXXX ). Transunion said it sent me a code to allow me to access the account, which never happened. 

I am now on my XXXX call to Transunion 's overseas call centers ... .if one expresses a modicum of disgust for the bad service, they hang up. 

I am unable to unfreeze my credit report so that I can continue financing a new automobile. 

This has become a XXXX little country where nothing works ... except the military industrial complex and XXXX politician XXXX who XXXX the government out to line their pockets ... ..the people are XXXX, have ya noticed?

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 2020-10-27
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I just wrote a 10 page explaining my problem and it deleted when I went to upload. Y docs. So just read my disputed it says is all

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 2023-02-22
Company: EQUIFAX, INC.
State: MD
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:
I submitted my initial complaint in reference to my consumer information being improperly used in my consumer ( credit ) report. Since my submission CFPB has closed my complaints and asked for feedback. My issue was not resolved but verified. Which has taken over a year for the bureaus to do so. In addition, one Bureau has not responded at all. Thus prompting me to open another complaint and file again my request to have these items removed. I'm fully aware of my rights as a consumer and know that they are being violated through this illegal practice. 

According to the law, my rights as a consumer have been violated and these items need to be removed. I have an option to opt-out of my consumer information, social security number, to not be disclosed and given to a third party. My consumer report should not include any authorization or approval of a specific extension of credit directly or indirectly of a credit card or similar device. My social security number is defined as a credit card any card existing for the purpose of obtaining money, property or labor on credit. I utilized my social security card. In the exclusion section my credit report should not have any of the items listed. I will seek legal counsel if they are not. Below are the laws in details. 

15 U.S.C 1681 section 602 ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 604 A -States that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. C 1681a ( D ) ( 2 ) ( B ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 1602 ( l ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

From my research these laws are in place to protect consumers like myself. None of these laws were followed to protect me. I'm requesting that these items be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-07-04
Company: Experian Information Solutions 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:
I need the late payments for the following accounts removed from my transaction history on all three credit bureaus. ( I sent 3 letters with ID and my gas bIll - no response XXXX XXXX ). According to the law FCRA 15 USC 168Ai- all late payments should be removed. 
Account name XXXX  XXXX XXXX Account number XXXX .... 
Account name XXXX Account number XXXX .... 
Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX .... & Account number 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 2023-04-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXBalance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$2700.00} ; XXXX XXXX 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 2023-09-04
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I ordered my Ford XXXX  through XXXX XXXX XXXX addressed at XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX. I have tried asking about the different options between lease vs. loan also different downpayment options before the arrival date, but the salesperson did not want to engage in this conversation and would like me to talk to their finance department on the date my car arrived. 
On XX/XX/2023, my Ford XXXX finally arrived. After a test drive and walkthrough, I was introduced to the finance manager, XXXX XXXX XXXX. XXXX told me that my interest rate is 8.50 %, and by plugging into their program, my rent payment was calculated. I got confused and asked her to explain how they came up with the rent payment based on my interest rate. She couldnt and claimed that this was calculated by the program. I said fine and moved on. 
Then, XXXX started selling the extended warranty and service package totaling in the amount of {$3900.00}. She explained that this is a great deal if I purchase them now, and I can cancel them anytime and get my money back. I wasnt exactly sure if I wanted them, so I decided to purchase them and think about it later. This is after 2 hours at the dealership. 
In late XXXX, I decided to cancel these two add-on contracts, and I visited the dealership and talked to XXXX. She is fine canceling them, and the credit would go to my lien holder, Ford Credit. She said the credit would apply towards my last few lease payments, and I need to pay the scheduled lease amounts till the last few months of my contract. 
Supposedly, the cancellation should result in a credit NOW, and what gives Ford Credit the right to keep them and apply the same amount towards the end of 3 years? I believe I should be entitled to an annual accrued interest of 8.50 % if Ford decides to hold my refunded {$3900.00} credit. 
On XX/XX/2023, I emailed XXXX and shared my thoughts. She wanted me to call Ford Credit to get a clarification on the interest calculation method, so I called. Ford Credit customer service said this question should be addressed by the dealership finance person. And now nobody can answer my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date of inquiry XX/XX/2023, Company who processed fraudulent inquirie XXXX XXXX XXXXXXXX, Address XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Request Originator is fraudulent I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. 

I am contacting you guys to have this fraudulent inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Someone had access my Pentagon Federal Credit Union with my username and password, online. He/she also created account on XXXX XXXX XXXX in my name and used my address, and then login-ed into this account, transferred/moved money from my accounts from my Pentagon Federal Credit Union to XXXX XXXX XXXX 

After one of the managers at PenFed Credit Union, who was helping me to create new login and new accounts, when I found out about it on XX/XX/2018and went and report to PenFed Credit Union. 

One of the managers at PenFed Credit Union, accredited me with {$35000.00}. 
However, there are still missing 15.000.00 from my old accounts and my new new accounts. I had been see this manager and other managers almost every weekends, since then. Every times, I asked about this missing money, PenFed managers are saying that I needed to file the complain with XXXX Police because of 'Fraud '. The case number for this event is # XXXX 1. One {$5000.00} was transfer from my other credit card account XXXX, XXXX XXXX XXXX then this money were go through XXXXXX/XX/XXXX. I did spoke with managers at XXXX XXXX XXXX XXXX and they all said that I had to speak to Penfed CU. 
2. The other {$10000.00} were transferred from my olds PenFed accounts to XXXX XX/XX/XXXX Credit Card account had not been accounted for. They, PenFed fraud department, think their other manager, somehow missing/forget that. 

One of the manager told me after I file the complained with XXXX Police, they ( PenFed ) will give me this amount of money back to me, but until now, I have not get it back yet. I had been see this manager and other manager almost every weeks since then, and filled out a lot of papers Could some one, please help me to get my missing money back? 

Regards. 
XXXX Bank Name Pentagon Federal Credit Union

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 2022-11-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Complain to Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumers rights privacy and confidentiality under XXXX XXXX Account name XXXX XXXX XXXXXXXX, Account number XXXX Account name XXXX, account number XXXX Privacy and confidentially under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX .States I have the right to privacy XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) 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 more than XXXX XXXX XXXX XXXX XXXXXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if they if the person knows or has reasonable cause to believe that the information in inaccurate Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX, Inaccurate Account name XXXX, account number XXXX, Inaccurate Delete these accounts ASAP Thank you 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