BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Yesterday, Wednesday XX/XX/2020, I received a debit prepaid card from BRINKS MONEY that I did not apply for and had my name on it, after trying to call the company I got no answer and Im worried about scams or stolen identity

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 2023-03-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off a loan I had with Credit Acceptance over a month ago at the end XXXX. As of XX/XX/XXXX I still have not received the title or the {$40.00} refund for over payment. They claimed they sent it to me over 2 weeks ago along a check. Their response to my numerous calls was to keep waiting, which I did, even though I had already sold the car to someone else. I spoke with XXXX and she stated that I could pay for a duplicate title which I stated I didnt lose the title, they did, and should have to pay. There was no tracking number for what they allegedly sent. I need this to be resolved ASAP.

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 2019-08-02
Company: EQUIFAX, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
EQUIFAX, INC did not come close to answering my question about why they reported a zero or a N/A to creditors of mine for a loan. Not a friggin credit score that was done months ago. Cut the XXXX and explain why i am paying a XXXX load of money I shouldn't be. I am sending this complaint to the attorney general of Washington state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to Transunion and XXXX. After challenging the validity of the account I received feedback from Transunion on XX/XX/2018 which stated that the account was being deleted from my Transunion account due to being unable to very this debt with an original instrument of indebtedness. XXXX has stated that the account was verified and updated the status to paid, however they have failed to provide this original instrument of indebtedness. My concern is that the company could not provide this for Transunion, but somehow provided it for XXXX. It is my belief that XXXX is utilization information from a third party to validate this debt and without this documentation actually being provided. In a recent review of my credit report I see that this account was in fact not deleted from my Transunion and still remains in a negative status which is negatively impacting my score. The account in question does report to XXXX as being paid status, it does however have a negative payment history which directly impacts my ability to purchase a new home.

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 2023-11-11
Company: Exeter Finance Corp.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, Washington, DC XXXX, am writing this affidavit to bring to your attention the inaccurate and misleading information reported by Exeter XXXX, pertaining to my credit file, specifically related to account number XXXX I urge your prompt attention to rectify this situation and take appropriate actions against Exeter XXXX for their violations and deceptive practices. 

XXXX. Inaccurate Reporting of Repossession : XXXX XXXX inaccurately labeled my credit file as a repossession when the vehicle was voluntarily surrendered in XX/XX/2017. The repossession status is misleading and damaging to my creditworthiness as the vehicle was willingly returned, not repossessed. 
XXXX. Violation of Right of Rescission : XXXX XXXX failed to provide me with the right of rescission concerning certain transactions related to the purchase of the vehicle. This violation further emphasizes their lack of adherence to consumer protection laws. 
XXXX. Deceptive Advertising and Violation of 15 U.S. Code 1605 : XXXX XXXX engaged in deceptive advertising practices by misleadingly representing down payments and installments, violating the provisions outlined in 15 U.S. Code 1605. Such deceptive practices are detrimental to consumers and require immediate investigation and remediation. 
XXXX. Misrepresentation of Loan Transfer : Finance reported the account as a charge off and sold it to XXXX XXXX XXXX XXXX XXXX. However, I have not received any information regarding the transfer of the loan, and XXXX XXXX continues to report to credit agencies as the lender. This contradictory reporting has created confusion and uncertainty regarding the status of my loan. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate actions against XXXX XXXX for their violations of consumer rights and deceptive practices. I also request that XXXX XXXX be held accountable for the inaccuracies in reporting and the resulting damage to my creditworthiness. 

I have attached relevant documents supporting my claims, including copies of credit reports, correspondence with XXXX XXXX, and any other pertinent records. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to rectify these issues and ensure that consumers are protected from such unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: SLM CORPORATION
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My son is enrolled at XXXX  XXXX University ( XXXX ).  He applied to Sallie Mae for an education loan online in XX/XX/2019 for {$13.00}, XXXX. He emailed me in XX/XX/2019 asking that I co-sign his loan. I told him that I would have to see the terms and condition first before making a decision. I logged onto the Sallie Mae link he sent and started filling out the application to view his  loan information. I started filling out the required information, but did not complete the application because I disagreed with the loan terms. The main disagreement points were : ( 1 ) it was what I consider to be an excessive interest rate and ( 2 ) it was a Variable Interest Rate loan. My son may have accepted those loan terms,  but as co-signer, I did not accept the loan 's terms because I was shopping around for more favorable loan options. However, I did elect the required " fixed monthly payments of {$25.00} while you [ my son ] are in school and for a separation period of 6 billing  periods thereafter. '' ( Reference : Update on your loan application : Action Required pg 2. Repayment Options para. 1. Accessed via email XX/XX/2019 ). I was surprised to receive an email from Sallie Mae requiring a {$120.00} payment, which I never consented to paying. However, I did make the payment on behalf of my son because he could not afford to and I did not want to damage my credit rating. I believe that in trying to push/sell their high interest variable interest rate loan, Sallie Mae not only cut corners by processing an incomplete application ( mine ), but also approved me as a co-signer without my explicit consent. I consider the aforementioned business actions fraudulent and identity theft. I contacted Sallie Mae on numerous occasions, but to no avail. I have also filed multiple complaints against Sallie Mae, but so far I am still awaiting a satisfactory resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Army and Air Force Exchange Service
State: NC
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:
CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED

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 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: Regional Management Corporation
State: NC
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:
CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: TX
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2023-11-30
Company: Experian Information Solutions Inc.
State: NJ
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXXXXXX 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 2023-11-30
Company: Experian Information Solutions Inc.
State: AZ
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} 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 2022-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Bank of America has been reporting my mortgage late, even though they are still taking money out of my account bi weekly. I had a forbearance ( aprox 1 year ) {$12000.00} aprox pushed to the end of my loan ( for covid ) when the principal was paid off i still owed the balance of the forbearance. At that time they informed me, i could keep making payments like normal ( at no interest ) or pay it off or refinance it. So i said if its XXXX percent, just keep it the way it is. I applied for a small loan last week and was declined because they said my mortgage was approaching 90 days past due... .Bank of America has recorded phone calls of me and their support agents verifying that my loan was being paid as agreed. I spoke w several Supervisors at Bank of America, 2 of them said they will fix the issue and the 3rd said I am out of luck...

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 2023-03-09
Company: CITIBANK, N.A.
State: AZ
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:
On XX/XX/XXXX2023 -- As a result of a large refund made by a vendor on XX/XX/XXXX23, I requested a check be sent to me for the overage in my account ( {$1100.00} ). This was made at XXXX MST on that date. They told me they would send me a check. 

On XX/XX/XXXX23 when no check had arrived, I followed up with them at XXXX MST. I was told I hadn't waited long enough, and I would have to wait longer for the check to arrive. 

I followed up again on XXXX/XXXX/23 at XXXX MST, and said I still had not received a check and asked that it be direct deposited into my bank account that was included on my Citi account. I was told that they would do that. 

I followed up again on XXXX/XXXX/23 at XXXX MST when the promised EFT deposit never showed up. I was told that I would have to wait another 2 days for the money to show in my bank account. 

This morning, I saw that instead of issuing an EFT deposit to my bank account, they instead chose to keep the money and deposited it as a credit in my CC account. I feel I was manipulated from the very beginning so that they could retain my money and avoid sending any money I was entitled to.

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 2020-05-08
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I saw a collection balance on my credit report. I called collection agency. No one wanted to help me as the collection amount was inaccurate. I asked the collection agency to very the correct amount with the phone company, they refused to follow protocol. They sent me back to XXXX to dispute. When I call XXXX, all of the representatives did not want to help me. They said account was over 4 years ago. They did not want to send me any billing statements to prove the amount they are asking for. Instead, I was transferred to many departments, hung up on, and outside of country representatives that did not care to help me resolve this balance. I even told the representative that I received a final letter that states if I did not pay {$590.00} within 7 days, that balance will be sent to collections. Please explain how a final bill of {$590.00} turn to {$1300.00}? I explained I will only pay {$590.00} as stated on my final bill. They said I need to pay {$1300.00}. I need help.

Company response to consumer: Closed with explanation