BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
In XX/XX/XXXX my car was financed thru GM Financial and my last payment should have been in XX/XX/XXXX. However, I disputed the amount GM Financial tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by GM Financial at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount GM reported as owed was in error, I never again heard anything from either the Collection Agency or  GM Financial. EVER. Not one single word. 

In XX/XX/XXXX, I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by GM Financial 's agent of choice ). This was done and in XX/XX/XXXX, I contacted GM Financial to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from GM Financial in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after GM Financial received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: CREDIT ACCEPTANCE CORPORATION
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:
Unauthorized hard inquiries

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 2017-09-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Has stated before I suspect fraudulent Inquires on my Equifax Credit report. 
Now I find out Equifax was breached around the same time of many these Inquires and I was personally impacted by this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: PayActiv, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2022, I requested a payroll card from Payactiv. They stated that it would take 7-10 business days to receive it. Over the course of a few weeks, I was sent notices that my card was on the way, that the card was delivered, and how to activate said card. 

On XX/XX/XXXX, I got a notification email that my card was returned. I called and asked why it was returned and they stated that i wasnt physically home to have it hand delivered to me, even though the emails stated to check my mailbox. 

I called the company on XX/XX/2022, to request a new card, and they stated that I would receive the card in 7-10 business days. I called in XX/XX/2022, to see why I hadnt received my card. I was told that the time to request a new card had expired and that they would have to reissue the card.

I am frustrated because I still have a temporary digital card but I am unable to retrieve funds from an atm. I had to do a transfer from the temp card, then transfer the funds via XXXX to place it into my checking account. It should not be this hard to just get a payroll card and Payactiv has made it impossible to get a straight answer or decent customer service. I do believe that they are deceptive and doing this on purpose to aggravate their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Mid-Atlantic Finance Co., Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordence with the fair act this creditor has violated my rights. Under 15 USC 1681 section 602 states that i have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish and account without my written instructions. under 15 USC 1666b A creditor may not treat a credit paymenton a credit card account under and open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS COMPANY IS RESPONSIBLE FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT HURTING MY ABILITY TO OBTAIN CREDIT.

UNDER US CODE 1681C-2 THESE ACCOUNTS SHOULD BE REMOVED AND OR UPDATED. 

XXXX XXXX XXXX XXXX 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 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 -ACCOUNT NAME : XXXX XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX, Account Number : XXXX -Account Name : XXXX XXXX XXXX Account Number: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 non-monetary relief
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-10
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
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:
please help me resolve these issues I have with the credit bureaus

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint to XXXX was the result of their non-compliance to my request and for theirrefusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal CreditReporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to helpme block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2021-06-08
Company: United Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 bureaus that there was a collection account added to my reports. The company 's name is United Collection Bureau showing an account # of XXXX in the amount of {$740.00} with an original creditor named XXXX XXXX XXXX XXXX. I have never heard of the company United Collection Bureau. I am unaware of this company, the amount, the debt and it's origin, therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I did not give permission to XXXX XXXX XXXX XXXX to to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that United Collection Bureau DELETE credit reporting from XXXX, XXXX, and XXXX until this debt is validated showing proof of my signature. Any further reporting of this collection debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I demand DELETION of the erroneous account # XXXX from XXXX, XXXX, and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received no service for notice to appear or a final judgement. A Request and Writ for Garnishment was entered into the court on XX/XX/XXXX, and a tax refund garnishment took place in XX/XX/XXXX. 
I had no idea there was a collection action against me from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Contacted Aidvantage customer service XX/XX/2023 @ XXXX XXXX and requested the automated service to speak with a customer service representative. After being on hold for 59 minutes, I spoke to customer service agent XXXX XXXX to make my request. He did not have the answer to my question and performed a quick search and informed me the Department of Education website does not allow principal only payments with extra payment with existing unpaid interest. After again making the request, he placed me on hold to consult with the team lead XXXX XXXX and again informed me that I can not make a principal only payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
We bought our house in XX/XX/XXXX  through XXXX XXXX XXXX  in XXXX. XXXX XXXX XXXX  sold out loan to Planet Home Lending. We have had nothing but problems with this company from day one.Tried to say we were in a flood zone which we were definitely not then sent us a statement saying that we owe {$3000.00} for being in a flood zone. Called them multiple times even have proof and sent it to them they kept saying they will fix it and remove it which took months. That being said we kept getting statements in regards saying that we were delinquent we would get two or three statements a week. We even got our old lender from XXXX XXXX XXXX  to try to talk to them with us which they told her they will be fixing things. Then they did not pay our home taxes which put us as delinquent. We have got the runaround for months and we are still going through it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: PA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: GA
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, XXXX 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 an account without my written instructions 15 U.S.C 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 2023-09-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2022-10-17
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: Account information incorrect

Complaint:
I filed fraud claim n XXXX XXXX XXXX  provided police report and XXXX  promised to issue me a check for the full amount that was used because of fraud charges which I never received.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  XXXX Account # XXXX, XXXX 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 an account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: TN
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:
Without my permission, my medical information was released. This company has breached the Consumer Protection Act and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: MO
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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 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 explanation