BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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:
To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 ) Therefore I am requesting IMMEDIATE REMOVAL OF ALL Negatives ITEMS FROM MY CONSUMER RFEPORT

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 2023-12-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a light fixture from XXXX XXXX XXXX XXXX XXXX. The price was {$280.00}. It took several weeks for it to arrive and then I had to schedule a contractor to install it. When it was finally installed, to would not work as one on the light receptacles did not work. When I complained to the seller they would not help. So, I asked Citi to file a dispute but they sided with the seller because they only had a 7 day window for a claim to be filed. In this case it was very difficult to get fit installed that quickly because I didn't know when it was coming, it was lost on the final leg of delivery ( from the shipped to the USPS ) and when to did finally get to me, I had to schedule it to be installed. So, it was longer than the 7 day window to find out it was broken. 

I'd like to have Citi understand the issue and support my dispute given the actual circumstances. 

Thanks.

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 2022-09-18
Company: Experian Information Solutions Inc.
State: NC
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:
It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, fifteenth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.

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 2022-07-25
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:
In accordance with the Fair Credit Reporting Act. XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, Has violated my rights.

15 U.S.C 1681 section 602A 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 consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: Bridgecrest Acceptance Corporation
State: OH
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:
Bought the XXXX XXXX XXXX in XXXX for {$30000.00} and paid it off a little, It's been over a year that's I've paid it off... I used all my savings and still don't have a vehicle I can drive legally. 
promised a stress-free car purchase from big-named vendor XXXX. Now, it's most facin the most stressful time ; along with the pandemic of the virus of course. 
I have contacted XXXX-to assist with the issue of not having a title for the vehicle that I've worked so hard to pay on. 
more than 25 times I've contacted & informed each time that Bridgecrest - XXXX that my current information needed updated- Each time I had to contact again... Both company 's had old contact information- no current contact info I provided to them was out into their systems. 

XXXX- would blame Bridgecrest to why I haven't gotten my title, and Bridgecrest would give the reasoning that they sent it- even though I continued to say I didn't get the title, they had no solution, the call would get transfered... Or discounected, and this is a recurring event each time dealing with both companys

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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:
i asked the company to pick up the vehicle and didn't want the car they refused to pick the car up they are still reporting on my credit file about late payments I didn't give them consent to share my information either and it's not in the contract either that I signed, and they are bringing my score down. ( 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 2018-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My identity was compromised in XX/XX/XXXX. I purchased credit monitoring package from XXXX including all 3 credit reporting agencies. There was about 8 accounts opened with my ssn but we caught it in time so they couldn't do serious damage. Recently these fraudulent accounts have been removed from my record by XXXX and XXXX XXXX. No luck with Equifax. After numerous security questions they told me I failed to identify myself. 3 days later I tried to use my XXXX XXXX card but they told me it was cancelled by Eqiufax.  That was true embarrassment but card was dead. Card was issued by XXXX XXXX, so I checked other accounts related with XXXX XXXX.Sure enough, XXXX XXXX card with only {$150.00} balance, cancelled, XXXX card, cancelled. Obviously they couldn't touch or close real banks like XXXX  XXXX XXXX and XXXX XXXX. These accounts they didn't close. 
When I called them originally, I gave them the fraudulent accounts and they had those anyway, they still closed all my accounts with XXXX XXXX XXXX. Do they have right to do that, who are they protecting, I am the victim, and they are just punishing me even more. Never the less was their customer service. Beyond comprehensive. I kept on telling them that I can not understand what they are saying, but they kept saying, what is so hard to understand. Sorry, cant speak XXXX XXXX or XXXX. 
Can anyone stop this Equifax from torturing hard working people in this country

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: V and H Portfolio
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent them a letter asking to send me verification that this is my debt i have a common name i have mail coming to my home from a person same name as me. There debt was merging to my file. I have sent 2 letter to this company asking them to send documents stating who there are they keep sending me the same computer generated documents they are fake and fraudulent. I need this removed off my Credit report this is hurting me from getting credit in this pandemic to feed my family. This company is taking advantage of people during these hard times. There saying i owe. XXXX dollars for a cell phone bill float from almost 7 years ago. I never had a phone through that company I have been on my mother phone plan XXXX. Since 2001. The documents they sent me are payments being taking out of a account thats not mines. the docs are fraud who charges a credit card everyday for a payment thats not real.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06
Company: Bread Financial Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from XXXX collections stating that my Paypal Credit account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. XXXX and I came to an agreement of {$1200.00} to settle the debt. I made sure XXXX sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my Paypal Credit account. I called Paypal. They confirmed my account was in collections, that they were waiting on XXXX to finish their part and that it usually takes one to two billing cycles to be complete. This was in XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and I 'm still getting letters from Paypal Credit telling me I have past due payments. This account was settled on XX/XX/XXXX with XXXX so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if Paypal has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and Paypal or XXXX should be required to fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21
Company: Bridgecrest Acceptance Corporation
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: Account status incorrect

Complaint:
THE CREDITOR WAS CONTACTED AND MADE AWARE THAT THE REPORTING OF THE ACCOUNT WAS INACCURATE AND IS CAUSING DAMAGES TO MY CREDIT REPORT. THE LATE REMARKS -XX/XX/2020, XX/XX/2020, XX/XX/2020 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 2020-06-19
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Tried to access my account with PNC to set up a XXXX XXXX XXXX. I wanted to link up to transfer funds, but even though I had my account info correct it would not let me. this was being done through the XXXX XXXX XXXX. After entering correct access info several times the network prompted me to file a complaint with your agency. So I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: MD
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:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 day time frame, and I have not received a response regarding dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Reflecting my other ongoing complaint about feeling personally targeted by Experian. I really feel some reps purposely target some people to worsen their credit while getting a kick out of it. So recently I paid off my personal unsecured loan with XXXX XXXX XXXX account ( XXXX  ), I uploaded the paid in full letter on Experian and on XX/XX/XXXX I called the dispute department to request a dispute on the account to reflect a XXXX balance. The rep I spoke to was very helpful, she disputed the account and submitted the request for further internal review. Results came back within hours, the balance was updated to XXXX and paid in full, but when I look at the account ledger I noticed THEY REMOVE ALL THE MONTHLY PAYMENT HISTORY FOR THE ACCOUNT!!! WHY??? And of course this immediately resulted to another SCORE DROP. Let me also point this is not the first time I've experience this with Experian. It happened before on an auto loan I had where they completely removed the original balance of the loan after the dispute. What is this foolery? Why were the payment history removed from my account after the internal dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Receivables Management Partners, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to bring to your attention a matter regarding the lack of response from RMP Services LLC in regards to a debt validation letter that I had sent them on XX/XX/2023. 

On XX/XX/2023 I had sent a debt validation letter via certified mail, return receipt requested, to RMP Services LLC as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ). The purpose of this letter was to request validation of the alleged debt they claimed I owed. 

According to the FDCPA, upon receiving a debt validation letter, the collection agency must provide verification of the debt or cease their collection efforts. However, despite the certified tracking information confirming that they received the letter on XXXX XXXX, I have not received any response from RMP Services LLC to date. 

This lack of response has caused me significant concern and frustration. By not providing me with the necessary validation of the alleged debt within the legally required timeframe of 30 days, RMP Services LLC is not adhering to the obligations outlined in the FDCPA. This conduct goes against the consumer protections put in place to ensure fair and ethical practices within the debt collection industry. 

I believe it is important to highlight this issue to your attention, as your organization plays a vital role in enforcing consumer protection laws. I kindly request your assistance in addressing this matter and ensuring that RMP Services LLC fulfills their obligations under the FDCPA. 

Enclosed with this letter, I have provided copies of the debt validation letter I sent, the certified mail receipt as evidence of delivery, as well as any other relevant documents to support my claim. I trust that these materials will be of assistance in investigating this issue further. 

I kindly request that you investigate this matter promptly and take appropriate action against RMP Services LLC for their failure to respond to my debt validation letter. Additionally, I would appreciate it if you could keep me updated on the progress of this investigation. 

Thank you for your attention to this matter. I look forward to a favorable resolution of this issue and I trust in the CFPB 's commitment to protecting consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion doesn't use consumer information or documentation in their dispute process. Transunion has a dated system to process disputes that takes weeks longer because they do not fax or accept emails. Transunion 's policies favor creditors at the expense of consumer 's credit reports. The same documentation was accepted by XXXX  and XXXX  but not accepted by Transunion. Transunion claims that the creditor confirms that the reported information is accurate but I have a new letter that states otherwise.

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 2018-08-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I request an investigation from the Experian company for the violation of the laws, US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. By Defamation, financial Injury. Protection under the FCRA, FCRA Section 623. Injury to your credit report and credit score, FCRA Section 604 ( A ) ( XXXX ). The Credit bureaus, " XXXX '', refuse to correct information after being provided proof of inaccuracy, Defamation, willful injury, FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX XX/XX/1997, Filed ( D.C. No. XXXX ). I gave them all the original information of the companies, Experian did not take my letters seriously and did not respond adequately to my claims, only responses by automated mail response systems. Experian refuse to correct information after being provided proof of inaccuracy. This is a violation of the " FCRA Section 623 '' law. As the FCRA and Experian do not respect the law and I have deleted the Claims- '' justifying that there is a duplication '' - that I write on your site, I sent a copy to the Attorney General of Florida to take over the violations of the FCRA and XXXX XXXX You have never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. the case of US Dept of Education, I sent them the letter I received from the department of education when I complained about the information and the status of my account. I have all the original documents, and I gave them a copy of them, and there is no record of that debt in my student account, and the documents explain the total payment of my {$270.00} account. Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information.

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