BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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:
good evening. this complaint is in reference to the XXXX XXXXXXXX XXXX account shown on my credit report at EXPERIAN and XXXX. the vehicle that was financed with XXXX XXXX XXXX was repossessed in or around XX/XX/2017 in XXXX nj. After i found this account on my credit file i did some research on the vehicles VIN number and found out the vehicle was sold at auction in or around XX/XX/2017. I was unaware of this because i never received any correspondence regarding the vehicle after its repossession by XXXX XXXX XXXX. It is to my knowledge that new jersey state law and UCC codes state that a finance company SHALL follow certain distinct procedures after the repossession of a vehicle and if these procedures are not followed the deficiency ( repossession ) can not be claimed therefore can not be on my credit profile. new jersey state law and UCC codes state that after a vehicle is repossesed several different notices are to be mailed to the consumer regarding how to redeem the vehicle back, when and where the auction will take place, and if auction of the vehicle takes place, the amount the vehicle was sold for and if there was any surplus amount. this information helps the consumer verify if the amount owed is in fact accurate and correct. i NEVER received any of these notices. these notices must have also been sent within very specific time frames after the repossession again i never received these notices. the finance company shall also be able to provide proof that these notices were sent to the consumer. i have disputed this account with EXPERIAN and XXXX for XXXX percent accuracy regarding the balance and other aspects of this account and ALSO i have requested proof of these notices required by new jersey state law and its UCC codes in order to claim the defiecency. To date my request was not fullfilled and EXPERIAN and XXXX simply updated my account as accurate. i simply exercised my rights under section 609 to have the information provided to me about the account listed on my file and it was not met as well as if the account is unverifiable it must be removed from my file. not to mention how can this account have been verified at all when the information between EXPERIAN and XXXX does not even match! how can they possibly have verified this account as accurate and the information does match? they both can not be right. there are so many issues with this account i would like to request its removal this is highly stressful to me that the credit bureaus are in violation in these aspects!

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 2020-04-10
Company: Experian Information Solutions Inc.
State: CA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

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 2023-11-08
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights.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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26
Company: SYNCHRONY FINANCIAL
State: PA
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:
1. I received a written letter in the mail on XX/XX/23 confirming that I opened a paypal credit account. I noticed the email address in this letter was NOT mine and know that I DID NOT apply for this account. 

2. The account was opened on XX/XX/XXXX  and the same day a charge was made against the account for {$3200.00}. I did not authorize these charges. 

3. On XX/XX/XXXX  I called Synchrony Bank ( the issuing bank for PayPal Credit ) to report that this fraudulent account was opened. The agent I spoke to ( XXXX with ID # XXXX ) stated that she closed the account, updated the credit bureau 's and that I should also call the credit bureau 's myself. She also stated that I should receive confirmation about the dispute within 60 days of XX/XX/. 

4. I called XXXX, XXXX, and XXXX on XX/XX/XXXX  to place a 1 year fraud alert on my account.

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 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CAP1/SAKS failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CAP1/SAKS Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CAP1/SAKS Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: WESTERN UNION COMPANY, THE
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
1. XX/XX/XXXX - I sent {$200.00} to XXXX XXXX XXXX in the XXXX via Western Union with MTCN # XXXX and they confirmed transfer via email at XXXX 2. XX/XX/XXXX ( XXXX ) - another email was sent that the delivery method for the transfer was updated which will not be sent to receiver 's bank account instead of picking it up. 

THIS IS WHEN IT ALL STARTS. 

3. XX/XX/XXXX ( around XXXX via mobile phone call ) - This was my first call to check up on the transfer because he was never able to pick it up. They mentioned the following phrases/words/sentences that I just wrote down : - on XX/XX/XXXX, the bank that was supposed to receive the money rejected it - Western Union has to request for a manual rejection from bank where money was supposed to be sent so it will go back to Western Union - " under investigation '' - they created a case/complaint # XXXX 4. XX/XX/XXXX ( around XXXX ) - I called back again and talked to someone named XXXX under their " Concern Department '' and she said that this concerns the " digital payments team?!?!? '' and that they will request for the manual process on the bank that was supposed to receive the money to REJECT the money AND that it will take " XXXX days for the money to be returned back to my bank account '' after I receive an email acknowledging the process. I never received an email! 

5. XX/XX/XXXX ( around XXXX ) - talked to someone named " XXXX XXXX and he said that it is already " UNDER INVESTIGATION ''?!?!?!? and that the " RELEVANT TEAM '' is on it! and I will get an update within XXXX business days and that I can call back if I don't hear anything ( THEY SAY THIS ON EVERY CALL AND I NEVER GET AN UPDATE!!! ) 6. XX/XX/XXXX ( around XXXX ) - i talked to someone named " XXXX ''?? and these were the things/words/phrases he mentioned ( i can't really understand with the heavy accents ) : - " back office team '' - " a different department handles this '' - " working offline '' but that he said he escalated it and i will get an update within XXXX hours and of course I NEVER DID 7. XX/XX/XXXX ( around XXXX ) - they just keep telling me the same thing over and over again, which is what is on their script I assume. So I told them if I don't get my money back, I am calling the Consumer 's Protection Agency. And here I am because even though they sent and email ( on XX/XX/XXXX AT XXXX ) acknowledging this transaction and even said, " we are DELIGHTED to assist you ... and that their bank processor has confirmed that the transaction has failed and they they will proceed with the refund, I never got the refund at all ... that was XXXX BANKING DAYS AGO... 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have emailed and called Mohela about the gap in my eligible public service loan forgiveness ( pslf ) payment counts. There is a gap from XXXX, despite me having approved eligible employees verification.

When I called they told me they wouldbreachbout the federal student aid ( FSA ) but when I called the FSA, they told me pslf counts were made by MOHELA.

I have since emailed MOHELA twice with no response.

They have lied and neglected my emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: DISCOVER BANK
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 information incorrect

Complaint:
XXXX has gave false scores to everyone in which has made me and millions of others have to pay higher interest rates and payments which means XXXX didnt exercise there grave responsibility to my consumer report. XXXX was completely unfair, Partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates As i never instructed XXXX XXXX writing to furnish this report and never consented to this report of DISCOVER BANK ACCOUNT NUMBER : XXXX as well as DISCOVER BANK INQUIRY ON XX/XX/XXXX in the first place as well as pursuant to 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. So XXXX just assumed that XXXX they could report this and XXXX never had my permission and stole my identity to report on my behalf.. As stated on the back of all billing statements from XX/XX/XXXX to XX/XX/XXXX, Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of {$1.00} or more after 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page XXXX of your billing statement. Which correlates directly with 12 C.F.R. 1026.11 ( a ) as well as proof that {$4300.00} was the total amount of money I was owed since such amounts were on my billing statements every month. So I was owed this amount as these amounts where owed to me and was credited to my account in which DISCOVER has been falsely reporting with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Commencing around XX/XX/2021, I fell victim to a scam operation orchestrated by a fraudster named XXXX XXXX on XXXX app. Basically, I tried to buy a car online through the XXXX app and contacted this person who introduced himself as XXXX XXXX and allegedly sold me a car. It is important to mention that he said he was from the XXXX and the car was in XXXX. 

Through 28 transactions I sent him the amount advised above. We made a verbal agreement to send him XXXX USD per month. When I paid the last portion, I asked him to ship the car to me which he confirmed. After waiting for a while, I contacted him via WA to check the status of my delivery, however, I got blocked from his number and never heard back from him again. At that time, I realized that I had been scammed, but it was already too late. 

The money was transferred from my account via bank wire, through intermediaries named XXXX and XXXX in the total amount of XXXX USD. There were three beneficiary banks involved : XXXX, XXXX XXXX, and XXXX  XXXX XXXX, all based in XXXX. I would like to emphasize that I never used XXXX in the past, whereas I did have a XXXX account, but it was only used for covering small daily expenses. It is also worth mentioning that, while I was sending the disputed amount over the course of 11 months, at no point was I contacted by Region Bank. 

Furthermore, after I sent them a Dispute Letter in order to ask them to assist me, they kept delaying in providing a response. First, they asked me to visit their local branch and make a complaint in person. When I did, I heard nothing. Weeks after that, I went to the bank again, only to be told that the case was now too old and there was nothing they could do. It is safe to say that they were prolonging the case long enough to make a good ground for saying that it is now expired.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-01-24
Company: NCB Management Services Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my consumer report there is a charge off reporting and that is illegal to do because charge off is considered cancelled debt and according to the IRS cancelled debt is considered income, income can not report in a consumer report. The documents I attached is a screenshot of the IRS talking about cancelled debt and how it is income and the 3 consumer reporting agencies reporting the charge off also stated the law USC 1681 I never authorized to report this and how this is defamation, told them I can ligate them for defamation because there reporting information, they are not supposed to which can damage me financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: REGIONS FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by someone I meet on XXXX. The scammer had previously ordered checks in my name under Regions account. On XX/XX/21, the scammer requests me to wire money to a Regions account. 
Account Name : XXXX XXXX XXXX Account number XXXX routing numberXXXX I am not a regions bank customer. Region bank customer refuses to take my request to freeze the customer account because they are not allowed to pull the account up. Customer service requests me to go online to file a complaint. Regions Bank bank lack area in their website to report fraud against regions customer.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Are you familiar with something called 15 U.S.C. Section 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

15 U.S.C 1681 section 2. ( 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. 

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 non-monetary relief
Consumer complaint received 2021-07-07
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In the midst of applying for a mortgage, I learned of these collection accounts which are deeply, negatively impacting my credit. The company refuses to Delete the items even with payment. These debts belong to my ex spouse, who did business with these companies when his vehicle was in my name. I didnt know these items were outstanding but yet I am suffering as a result. I am willing to pay because he is no longer around but I need these items DELETED from my consumer report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: CA
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:
Today XX/XX/2020 I found out that there are three unauthorized accounts appearing on my credit report. The way I found out was because I applied for a credit card at XXXX XXXX XXXX and I was told that they could not approve me because of these accounts. The accounts are from XXXX XXXX XXXX and two from XXXX XXXX. None of these accounts belong to me ; I did not open them and I did not give anyone else permission to open them on my behalf. There is also this address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on my credit report that I never lived at. I did not benefit anything from these accounts such as money, goods, services, goods or any other benefit and I did not make any payments towards those accounts. I also filed a police report regarding these accounts and address.

Company response to consumer: Closed with explanation