BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-13
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently called the company CREDIT ACCEPTANCE CORPORATION to obtain a wet signature of contract to verify they the debt was mine I received no response. I filed a CFPB and FTC complaint with the company. I receive nothing. They deleted from 2 credit bureaus expect one! They are damaging my credit which is a defamation to my character! They have not supplied the credit bureau or me with any verification. They have violated numerous laws! I am Demanding Deletion from my consumer report or else I'm going to pursue litigation. Ive called this company numerous times all I get is hung up on. previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". failing to comply. ask for the bookkeeping entry and the chain of title for the debt never received it. Ive been disputing this company XXXX  years! Ive sent letters after letters. Removal of inaccurate invalidation 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 2023-08-28
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Student loan interest was supposed to start XX/XX/2023 and payments will be due XX/XX/2023. Per stidentaid.gov But Navient is charging me late fees for the past 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal just suspended the account of my small business that i have been working hard to build and held all the funds for no reason. Additionally they accused us of " deceiving Paypal and it's customers '' with zero explanation. I haven't been able to get any sort of answer from customers support and the only option we have is to take this to court. This Paypal account had tracking numbers and details for every order we received. All the orders are processed through our official website and none of our products is against Paypal policies.

This has been extremely painful and is driving my small team and i crazy, if anything could be done please help.

If it's possible to submit the account for a review if so how can we do so? 
My email paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Transunion This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that 1. FCRA 15 U.S.C. 1681i- ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. 
XXXX  XXXX XXXX Account Number : XXXX I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY FROM MY CREDIT REPORT YOU NEVER PROVIDED ANY COPY OF THE VERIFIABLE PROOF THAT YOU HAVE ON FILE FOR THIS ACCOUNT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Remove all at once. 
3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Remove all at once. 
4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
5. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX  Remove this inquiry. 
6. 15 U.S. Code 1681i -  Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Remove all at once. the following account be validated or removed immediately :

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 2023-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX  account XXXX was opened. This is a fraudulent account reporting on my credit report. This account is a result of identity theft and needs to be removed from my credit report within 4 business days ( Per U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, violated my rights. I have never done business with XXXX XXXX. XXXX XXXX illegally reported invalidated information to my TransUnion report. 

In addition to, pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 602 A : I have a right to privacy.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish an account without my written consent.

Lastly, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), I requested an investigation and debt validation. However, I did not receive debt documentation to validate debt.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: AZ
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:
It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 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 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 explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-05-04
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX Account Number ( xxxxxxxxxx XXXX-full account number not provided ), has violated my rights : 15 U.S. Code 1681Section 602 A- Violated my right to privacy. 

15 U.S. Code 1681 Section 604 A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX a credit card account was opened or attempted to be opened from SYNCBXXXX and SYNCB/Low on my SSN, and I did not make any inquiries. On XX/XX/XXXX and credit card account was attempted to be opened under my middle names and my SSN with XXXX XXXX. I did not make this inquiry either. I received the denial letter in the mail from XXXX XXXX  on XX/XX/XXXX which alerted me to check my SSN and experian report. I have spoke with XXXX to remove these hard inquiries from my SSN. XXXX XXXX  has also reported the occurrence as fraud and I have put a security alert on my SSN from XXXX to hopefully make it hard for this to happen again and hopefully resolve the issue.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I contacted TransUnion about the following negative accounts XXXX XXXX ( Account number XXXX, Date opened XX/XX/2022, Balance {$0.00}, Original creditor XXXX XXXX XXXX XXXXXXXX XXXX  ), XXXX XXXX XXXX ( Account number XXXX, XXXX opened XX/XX/2022, Balance {$0.00}, Original creditor XXXX CHARTER COMMUNICATIONS ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the 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 2024-01-10
Company: CITIBANK, N.A.
State: NJ
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:
I recently pulled up my credit report and I noticed a couple of inquiries that I don't recognized or approve. I need help remove them of my report they are as following XXXXXXXX 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 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

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 2023-08-23
Company: OneMain Finance Corporation
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:
I have filed a FTC report for fraud on XX/XX/23 as I have no knowledge of and have not opened the account showing on my credit report for OneMain. OneMain first reported this account to the credit bureaus on XXXX. I have reached out to OneMain and provided them my FTC report copy, a copy of my driver 's license, as well as a copy of my insurance bill. Still, they continue to report to the credit bureaus that this account is accurate and mine. Their support further advised that there were actually 4 accounts under my name with 4 different socials and the agent was unable to confirm if they had been closed. OneMain followed up that they did close my account but deny three other accounts under my name and home address with three other social security numbers. Why would a rep make this up? Your lines are recorded! What OneMain is doing is wrong. They are aware of fraud and continue to report inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-01-18
Company: EQUIFAX, INC.
State: AZ
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 have sent multiple letters to the credit agencies informing them to remove the collection from my report since I does not belong to me. I called XXXX XXXX  and they even confirmed they never had me in their systems.

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 2023-08-24
Company: Skrill USA, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Greetings, My company had signed up for a card processing service with Paysafe.com. We started services around the XXXX of XXXX. I have written assurance from their sales agent ( XXXX XXXX that there are account fees only if the minimum transaction is not achieved in a month. 

The company deducted XXXX XXXX from our XXXX account on the XXXX of XXXX without considering the date of signing up. Moreover, their partner company XXXX XXXX XXXX  asked me to roll back when I processed cards. 

So XXXX XXXX I was charged XXXXXXXX XXXX for opening and closing the account in 3 weeks and I lost a XXXX XXXX business coz the card wasn't processed. After multiple reachouts, the business said they can't do anything about this and the contract says they can charge me. I reached out to the sales and customer support and they said we can't help. 

I was cheated by this company and its partners ( XXXX XXXX and Paysafe ). As a matter of principle, I request you to get my issue resolved and mark this company in the public domain as a manipulator. Thank you! 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have sent multiple letters to the credit agencies informing them to remove the collection from my report since I does not belong to me. I called XXXX XXXX  and they even confirmed they never had me in their systems. 

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 2023-08-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I knew approximately 60 days I was going to be out of a job and completely out of income. I was also rapidly depleting savings. I started to reach out to my servicer, Carrington, as quickly as possible to advise them of my situation and to request a forbearance or deferral in order to help preserve my credit while Im aggressively pursuing new job opportunities. 

For the last several weeks, i have submitted documentation, i have submitted letters of explanations and Im now officially late by two weeks. All I had were sporadic emails telling my loss mitigation request was missing documentation. The department REFUSED to talk to me, hear my case and I was forced to talk to 7 different customer service reps who had a variety of different versions of my assistance request. They called me to demand payment today. I told them i had repeatedly provided loss mitigation everything they needed. The rep then put me on hold spoke to the department and then came back and said that they closed my case and stated that i just default, tarnish my credit before theyll even start to consider working with me!

The VA service rep tried to help as well and they were essentially told, no assistance would be provided. Trying to be a responsible debt holder has been painful to say the least and Im in desperate need to guidance and help to have their loss mitigation stop ignoring my calls for help.

Please help me bring direction to this. I do not want i lose out home and am just asking for temporary assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Firstsource Business Process Services, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
FIRST SOURCE ADVANTAGE LLC IS A DEBT COLLECTOR UNDER THE JURISDICTION OF THE FDCPA. FIRST SOURCE HAS GATHERED MY PERSONAL IDENTIFYING INFORMATION LIKE NAME, ADDRESS, SOCIAL SECURITY AND BANKING INFORMATION WITHOUT AUTHORIZED USE. FIRST SOURCE HAS ENTERED INTO A FOWARD FLOW AGREEMENT WITH XXXX  XXXXAND HAS ATTEMPTED TO COERCE PAYMENT FROM ME ON AN ALLEGED DEBT THROUGH OBSCENE MATTERS BY AN EXTORTIONATE EXTENSION OF CREDIT. FIRST SOURCE WAS DEMANDED UNDER 15 USC 1692g TO VALIDATE THE ALLEGED DEBT AND HAS FAILED TO DO SO AND HAS EVEN RETURNED THE PURCHASED ACCOUNT BACK TO XXXX  XXXX. FIRST SOURCE HAS COMMITTED VIOLATIONS UNDER THE FDCPA AND HAS CAUSED MY FINANCIAL DISTRESS, XXXX, XXXX XXXX AND XXXX. I FEEL UNSAFE KNOWING FIRST SOURCE HAS GATHERED MY INFORMATION WITHOUT MY CONSENT COMITTING IDENTITY THEFT AGAISNT MY RIGHT TO PRIVACY UNDER THE PRIVACY ACT OF 1974 ALSO VIOLATING 18 USC 1028A AND HAS ATTEMPTED TO CEORCE PAYMENT FROM ME IN COMMERCE ON A UNVALIDATED UNLAWFUL DEBT. MULTIPLE ATTEMPTS TO SETTLE THE MATTER IN GOOD FAITH BETWEEN I AND FIRST SOURCE TO WHICH THEY WILLFULLY DISHONORED. I AM TIRED OF DEALING WITH THIS MATTER AND AM SEEKING FOR A SOLUTION.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation