BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: LA
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-23
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Credit Acceptance ( CAC ) has levied hidden charges that added 37 percent to 68 percent to loans for customers including me, with low credit scores. After closing my account, and aggressive calling to pay a debt owed on a vehicle that is reported stolen and no longer in my possession, Credit Acceptance till this day preys on me and many pandemic related consumers.

Credit Acceptance requires many borrowers to buy vehicle service contracts that added, on average, {$2500.00} to their loans.

Credit Acceptance 's policy is to call consumers on debts and default loans almost eight times a day to try to collect. They have called me repeatedly in the wee hours of the morning. 

In addition to high costs and aggressive collection practices, Credit Acceptance has also been big in repossessions, repossessing cars in 45 percent of the loans.

When Credit Acceptance repossesses a car, the borrower must continue to pay the amount owed. That can include payments on a vehicle service agreement the borrower can no longer benefit from, illegal lending and collection practices that are predatory and illegal in several states, and harmful credit damages to many consumers across the nation.

Credit Acceptance has also raised debts for non payment thru illegal practices and policy ( including myself ) while targeting consumers with high interest rates and devastating " lawsuits '' or anything in relation to debts, loans and destroying the consumers credit thru illegal collection practices. 

XXXX an CFPB need to bring Credit Acceptance to light.

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 2021-07-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted my first dispute request over 60 days ago and I have yet to receive any updates regarding my request from any of these bureaus. This is now my 2nd request and listen I'm pregnant and due to have this baby in XXXX more months I don't need all this stress worried about incorrect information in my report. I have to find a bigger place to live before this baby comes and this is hindering me from being able to do so. I'm not sure what the hold up is but I need some anwers an update or something. If I go into XXXX XXXX worried and stressed about this I will file a lawsuit. The FCRA stated that if nothing is done within 30 days it should be deleted well I have been waiting more than 60 and I can't wait anymore. Your website says you are here to protect the consumer well I'm a consumer and I need to be protected not giving the runaround when I call they say they dont have anything which I know aint true or they say they need to verify my identity how many times do I have to send my gas bill and social security card? I pray someone can help me this is tiring and stressing me out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions 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:
There's accounts on my report inwhich I have no knowledge of, however the credit agencies are constantly reporting information inwhich is not backed up by any type of physical documentation and if so still wasn't provided to me by either reporting agency. This is indirect opposition to the language of the FCRA, it clearly states that if you can not provide this information in physical form then you must STOP reporting it, XXXX, Experian and XXXX. And the account in question is XXXX XXXX XXXX and all Inquiries dated XX/XX/XXXX, XX/XX/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 2022-12-16
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This law firm is garnishing my wages- and I wasn't even notified. When I attempted to resolve the debt, I was directed to a website, given an account number, and told that I had to pay the amount in full and then my wages garnished would be refunded and a satisfaction of judgement issued within 30 days. When I went to pay the debt online, first of all, it would not accept the file number given to me, and the directions say to include the hyphen. I tried twice in a week, and finally, tried without the hyphen and it was accepted. I tried to pay the entire debt amount that was given to me over the phone with my company debit card. This is my company that I own, and there is plenty of funds in that account. I was given an XXXX  error ... .when I called and spoke with a XXXX XXXX XXXX he said that he called the XXXX department and said my address did not match what was on file with my card. This is the only address I ever use, and I've lived there for 10 years. There's no other address. Right before this call, I attempted to pay bills with this card and had no problems doing so. I was told that if I didn't pay with a debit card, it could take XXXX days to process and then I would have to wait another XXXX days for them to stop the garnishment and another 30 days to wait for my refund and satisfaction of judgement. So he proceeds to tell me that I could pay on the site using the checking account method. The instructions say that it will take XXXX days for processing, but if I needed it processed quicker to call. I also tried to pay this way, and it wasn't being accepted either. So I called back and had this same man take the information over the phone. I then learn that my balance grows by XXXX each day. So perhaps the amount was the issue in accepting payment. Regardless, this firm is making it nearly impossible to settle this debt. I have waited on hold for over an hour, and I don't have that amount allotted in my workday for that. I feel this firm is engaged in predatory practices that only make it more difficult on the debtor. It shouldn't be that hard to pay this online or contact someone over the phone who could resolve this in a matter of minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
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:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b } that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

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: LEXISNEXIS
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:
LexisNexis continues to use unfair and deceptive practices. I've been contacting them since 2022 in reference to them continuing to report inaccurate information. They continue to be reckless and noncompliant even after I have notified them of their grave errors. They have not exercised their grave responsibility with fairness, impartiality and respect for my right to privacy. They have not used reasonable procedures to make sure the information they are reporting is accurate. They never properly verified any information they reported. They have been unfair and biases to me as consumer and continue to have no regards to the Federal Laws. I'm consistently being denied credit, because of the inaccurate information they are providing. They are hindering me from providing from my family. They are continuing to cause me economical and emotional distress. No one deem me credit or insurance worthy. 
Delete the following information for it is incorrect! 
Case # XXXX -Identification records : XXXX -Online Marketing Record : XXXX -Insurance Records : XXXX -Dept of Drivers Services Record : Second Record XXXX -Inquires : ALL XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
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: Was not notified of investigation status or results

Complaint:
I submitted my first dispute request over 60 days ago and I have yet to receive any updates regarding my request from any of these bureaus. This is now my 2nd request and listen I'm pregnant and due to have this baby in 2 more months I don't need all this stress worried about incorrect information in my report. I have to find a bigger place to live before this baby comes and this is hindering me from being able to do so. I'm not sure what the hold up is but I need some anwers an update or something. If I go into XXXX XXXX worried and stressed about this I will file a lawsuit. The FCRA stated that if nothing is done within 30 days it should be deleted well I have been waiting more than 60 and I can't wait anymore. Your website says you are here to protect the consumer well I'm a consumer and I need to be protected not giving the runaround when I call they say they dont have anything which I know aint true or they say they need to verify my identity how many times do I have to send my gas bill and social security card? I pray someone can help me this is tiring and stressing me out

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 2021-07-27
Company: EQUIFAX, INC.
State: NH
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 submitted a complaint through you and by phone they refuse to fix errors from XXXXXXXX XXXX they List XXXX XXXX as the company then add a different Company XXXX XXXX XXXXXXXX as the original account the two are not even nor have they ever been associated with each other. I have been submitting proof of this for over 2 years yet they leave it on my report how can they say they verified something to be correct when it is not last complaint the removed the collection then added back with the same info this has been going on since XXXX and there is the fact that the State Statutes for both accounts have expired over 2.5 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
According to my most recent credit report, inaccurate inquiries are currently reporting to the three credit bureaus that I applied for credit with those organizations listed below. I did not grant any authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The issue involves an interest charge of {$160.00} with USAA VISA. XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX  Bill Pay submitted payment for {$11000.00} on XX/XX/2023 on my behalf to USAA VISA. According to XXXX XXXX XXXX  the payment was delivered USAA VISA on XX/XX/2023 ( confirmation # XXXX ), before due date of XX/XX/XXXX. 

On the XX/XX/2023 USAA statement, I was charged an interest fee of {$160.00}. Discussion with USAA VISA revealed that they held the check and delayed acknowledgment of receipt until XX/XX/XXXX, resulting in the interest charge on a 'late payment '. 

My understanding is that this may represent a violation of XXXX Payments ' of CFPB, ( a ) General Rule, and ( c ) Adjustment of Account.

A fair resolution would be for USAA VISA to remove the {$160.00} interest charge as they received a payment of {$11000.00} on XX/XX/XXXX but delayed deposit until XX/XX/XXXX, after the due date. 

USAA VISA offered a courtesy credit of {$25.00} but I do not feel that this action is acceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
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: Credit inquiries on your report that you don't recognize

Complaint:
According to my most recent credit report, inaccurate inquiries are currently reporting to the three credit bureaus that I applied for credit with those organizations listed below. I did not grant any authorization to review my credit report. 
The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
- 15 U.S.C 1681 section 602 A Congressional findings and statement of purpose States i have the right to privacy - 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies 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.

- 15 U.S.C 1681i ( 5 ) ( a ) Treatment of inaccurate or unverifiable information ( A ) If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer - 15 U.S.C 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

- 15 U.S.C 1681n. Civil liability for willful noncompliance, any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Date last active, No. of Months Term, Reporting inaccurate late payments when account is charged off. 
Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : No. of Months Terms, Payment Status each agency reporting different data, Last Reported dates Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified 3 ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Account Type, Date Account Opened, Inaccurate payment history Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified

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 2023-08-09
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Calls and voicemails started in XX/XX/XXXX from " XXXX XXXX '', a mediation service who said they were trying to mediate payment on a debt from XXXX from a company I didn't recognize but apparently was also named Barclays, which I did have back in XXXX. First and foremost, I filed bankruptcy in XX/XX/XXXX and named Barclays and the most recent debt collector, XXXX XXXX XXXX on behalf of XXXX XXXX ( another debt collector ) as creditors and sent notification was sent. Also, the debt is beyond the statute of limitations on any company being able to take action such as filing suit against me. The last communication I received from XXXX XXXX XXXX, followed the law, and stated as much at the bottom of the letter. Those identifying themselves from XXXX XXXX call from different numbers, the latest being XXXX. This latest XXXX hung up on me when I told her it was illegal for anyone to take legal action as the debt was time barred and because the original creditor and the last name debt collector had been notified of bankruptcy. If documents are needed, I can provide the last letter received from XXXX XXXX and a case number from bankruptcy. Not sure how I could get the voicemails upload with the phone numbers from their calls.

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 2023-05-22
Company: Atlanticus Services Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit card company ( ASPIRE ) has not returned my negative balance credit for over three months. They claim I requested it on XX/XX/XXXX but that is false. I have called multiple times and was told it was going to be mailed. I called and confirmed I have had a negative balance since XX/XX/XXXX. I don't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation