BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, XX/XX/XXXX I sent letters to XXXX, Equifax XXXX XXXX XXXX ; Requesting VALIDATION of the following inquiries that never had a permissible purpose according to the FDCPA LAW - They have never responded and clearly have violated my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: American Credit Acceptance, LLC
State: NC
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:
Purchased a XXXX from XXXX XXXX XXXX in XXXX, NC financed with American Credit Acceptance in XXXX and traded the SUV in at the same dealership in XX/XX/XXXX for a new SUV. I received my " Paid in Full '' letter from American Credit Acceptance saying thanks for paying off your SUV and congratulations. The dealership received the title to the XXXX and they resold the truck to another person. XXXX XXXX I went to my bank to talk about refinancing my new truck, the loan officer tells me to contact American Credit Acceptance for bad debt. I reached out to ACA and spoke with XXXX who is one of the managers. She had 3 different versions of what happened. First she told me that I owed the money and couldn't explain why. Then she said they have a new system and she was unable to see my old account. The third story was some one messed up and shouldn't have sent the title to the dealership and shouldn't have sent me the paid in full letter. But she did not have an excuse as to why. She told me she would contact me back and she was going to talk to her manager to see if they can get it taken off of my credit and updated. XXXX never called me back, I called her every two weeks and she was always in a " meeting '' or on " lunch '' I would call her at different times and she was never available. I have proof that this account was paid in full, It's not the consumer 's fault when a company switch to new systems and can not properly transfer information. 

ACA is the worst and they are completely wrong for what they have done to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed that my personal information is not currently matching up with my I dentification. I would like to get my address corrected and update the city. I have included documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-07-28
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 received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies,. XXXX XXXX and XXXX XXXX XXXX. I contacted each of them and they both stated that these accounts were opened in 2013. Until know, I have not heard from them via mail, phone nor email. I have not opened either of these accounts but I do recall closing a bank account after discovering fraud after a move and losing a checkbook. I have filed a police report in my city and reported this incident to my bank,, I don't like the fact that I have not heard from these agencies to dispute but it appears on my credit report at a critical time as I am attempting to buy a house and it seemingly came out of nowhere. My credit score has dropped almost 70 points due to this.

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 2021-03-03
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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 have returned the merchandise and stated categorically that I am not interested in any store credit but they keep bouncing me back and forth and after a year, they are not stating that there is no record that the merchandise was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Prosper Marketplace, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with XXXX/PROSPER on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 use 1605 defines a finance charge as the sum of all charges in a consumer credit Transaction. The Finance charge does not include cash, but XXXX PROSPER Point took cash and monthly cash payment which is equivalent to a comparable cash transaction. 

Congress stated if I go and get a " loan '' and there is a finance charge involved, because I used my credit card, which is defined my social according to 15 USC 1602 ( i ) ; to do a consumer credit transaction, I'm not suppose to owe anything more than whatever the finance charge is. Whatever the finance charge is in connection to a consumer credit transaction should be the sum of all charges. There should be XXXX cash included. The charges should all be together, according to Congress. It is inseparable to the extension of credit. 

15 usc 1605 also states that the finance charge does not include charges of ANY type payable in comparable cash transaction. Being that monthly payments are being made/or have been made that is in fact a comparable cash transaction. 

Examples of charges which are included in a finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount or other system or additional charges. The 32.99 % interest listed in Exhibit A and Exhibit B is in fact false and misleading because It is suppose to be included in the finance charge. 

XXXX PROSPER also failed to provide or conspicuously disclose, my right to rescind. Which is in fact is a violation of subchapter 15 use 1635 ( a ) - Right of Recission as to certain transactions.

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 2023-02-28
Company: EQUIFAX, INC.
State: OR
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:
Hello, I dont have specific dates. This showed up on my credit report, initially, I reached out but each time, the company gave me the run around, no one was ever able to provide specifics or details regarding this debt. I assumed it must have been an error and let it go but time after time it shows up on my credit report and the balance keeps getting higher. None of their representatives are able to provide precise details for what or when or how I owe this amount. Equifax shows {$3100.00} while XXXX shows {$3100.00}. The dollar amounts dont match up and I have no idea what the address for this charge. 
Ive lived in the same house for 12.5 years and my bill is current and lights are still on. Please advise what address this is owed to and if no address can be provided, please have it removed from all of my credit reports. The account number is XXXX on both Equifax and XXXX, however XXXX shows as acct type open account while Equifax shows as a collections account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
It's a new loan and I'm trying to set up payments. There is a department that allegedly handles online banking issues with whom I've had 7 phone calls in which they have variously blamed me, my phone,  XXXX and their own customer service department. None of these are the cause for the bank 's inability to send a confirmation text message to allow me to use it's online banking. 

I will have no choice but to mail in a check to make my first payment and I will do so. But I just want to talk to someone who isn't in the online banking department who understands that I do not have a problem with receiving a text message, the bank has a problem with sending one. 

I have spoken with individuals at local BBVA branches who have been unable to get in touch with anyone except the worthless online banking department. I've tried to have a three-way call with the online banking department and XXXX, but the online banking department hung up on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
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:
THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - 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 OF MO ; 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 I ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.

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 2020-04-05
Company: CCB Credit Serivces, Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
debt incurred with this vehicle is not mine, as per law, there is no money, as per documentation, and my complaint to the IRS stating such. debt collector is a third party carpetbagger, intervening in my private personal, affairs, as per the constitution, " all things move in contract '', i have no contract with CCB Credit Services, and they are trying to extortion funds from me, why these XXXX are allowed to exist, in our society is incredulous. The FCR Act, states in no uncertain terms, that I am supposed to be notified, BEFORE any negative information, is placed in my credit file, that way i could dispute, this in advance, and not interfere with my constitutional, " right to contract '' neither XXXX, nor CCB credit services, has done that, violating multiple Federal laws, in there pursuit of fraudulent, unjust enrichment, and trying to keep hard working American citizens, in FINANCIAL SLAVERY, U.S. v. Kozminski, 487 U.S. 931 ( 1988 ). Respondment believes they should be heavily fined, for there participation, in a RICO based, fraudulent scheme to XXXX Americans out of there assetts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am deeply concerned and frustrated about an issue I am having with my CareCredit card payments. A few days ago, I made a purchase for {$1.00} on the card. When the charge posted, I tried to pay it. On three occasions now, I have tried to pay the balance. On each occasion, the payment has been cancelled by Synchrony, with them saying that my account has a {$0.00} balance and therefore a payment can not be processed. As you will see in the attached screenshots and email, that is not the case. When I called Synchrony, they told me it was because I had an open dispute that needed to be closed. This confused me because the last time I had a dispute was XX/XX/2020 and that was resolved. The rep, who claimed to be a manager, told me that he would close out the dispute and I could make a payment in 48 hours. After 48 hours, I tried to make another payment and received another email stating the payment has been cancelled for the same reason as before. I MUST BE ABLE TO MAKE PAYMENTS ON MY ACCOUNT TO ENSURE THAT IS DOES NOT GO PAST DUE. THIS IS A MAJOR PROBLEM AND MUST BE FIXED IMMEDIATELY. SYNCHRONY IS HARMING CUSTOMERS BY NOT ALLOWING PAYMENTS TO BE MADE.

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 monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2021-10-14
Company: Paypal Holdings, Inc
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an email from paypal telling me that they will closed my account after 180 days. 
" You can't use PayPal anymore. Reference ID : XXXX '' After 180 days the send all my money to their account about XXXX GBP. I feel like they scam me. Please help me get my money back and my account. 
Best Regard

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Nelnet, Inc.
State: NY
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:
On XX/XX/2023, I requested to have my student loan payments refunded. 

About a month after. I saw my student loan amount increased from XXXX to {$11000.00}. To me this would tell me the refund went through and my account reflects that. 

It has been 5 months since and I have no received those funds, I called and each time was told that the process was simply slow. However 2 weeks ago I called again and simply asked them to cancel my refund and have my account reflect what it should be, they told me it got approved.

Last week I received a call from Nelnet stating that there's no refund to cancel, so it appears like the refund was processed on their end, but the funds were not handled properly.

I attempted calling multiple times after my previous call and each time waited about 40 minutes before the call disconnected on it's own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a joint XXXX XXXX XXXX account with my sister. I then changed carriers, and so did my sister. On XX/XX/XXXX, she closed our joint account, in-person at an XXXX XXXX XXXX store, with {$0.00} as its remaining balance. 

XXXX XXXX XXXX went to a 3rd party debt collection company, XXXX, XXXX, to collect an incorrect debt of {$85.00}. I raised a dispute with XXXX and on XX/XX/XXXX they told me this case has been put on hold as they investigate the validity. They then followed up with a notification via mail confirming that I do not owe any debt to XXXX XXXX XXXX and that XXXX will stop harassing me on this issue. I considered the matter closed. 

On XX/XX/XXXX, another debt collection agency, Afni, Inc., contacted me about a debt of {$85.00} to XXXX XXXX XXXX. I contacted Afni directly and told them I do not owe XXXX  XXXX  XXXX  money, and have already provided proof to XXXX, the previous debt collection company, that we have resolved this matter. I forwarded the communications to Afni, including proof that my balance was {$0.00} when I closed my XXXX XXXX XXXX account. 

I suspect one of the two scenarios had happened : Either scenario 1 ), XXXX did not actually close my case but passed it on to Afni to unfairly collect this amount of {$85.00} from me. Or, scenario 2 ), where XXXX XXXX XXXX directly contacted Afni after XXXX was unsuccessful in collecting the non-existent debt from me. 

Either way, I contacted XXXX XXXX XXXX directly on XX/XX/XXXX and they sent me on a wild goose chase across all their extension and phone channels - more than 4 hours spent on the phone, kicked around 3+ departments, and I finally landed on a young lad who was able to use my old XXXX  XXXX XXXX account number to access his system and actually confirm that my balance with them, was indeed, {$0.00}. I asked him to screenshot this and email it to me so I can provide further proof ( right from the horse 's mouth ) to Afni to stop harassing me, or worse, pass this case on to yet another debt collection agency. By this point, the young lad seemed very scared and wanted to " pass me on to a specialist ''. Alas, there was nothing on the other end ( surprise, surprise ), and I suspect he did not want to deal with me even though we both have our own separate proofs that I do not owe XXXX  XXXX XXXX a single cent. 

What to do now? XXXX XXXX XXXX claimed that since my account is closed, the " debt '' is in the debt collectors ' hands now. Yes, collectors plural. They can't do anything about it on their end. Afni will acknowledge my dispute, and just pass it on to another debt collection agency. The vicious cycle will continue until I finally break down emotionally, mentally, and physically, and give in to these telecom tyrants and pay them this non-existent debt. Capitalism at its finest. 

In the meantime, I want to continue to fight this for as long as I have my sanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I XXXX XXXX am NOT liable for this alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX. ( {$2100.00} ) ( Alleged acct # XXXX ) I DO NOT HAVE A NOR EVER HAD A CONTRACT WITH XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me with the original contract, as I requested several time. 
THANK YOU! 

Also for so reason there is an issue with CFPB system where when I type Yes I did request information from the company, it shows up as NO & doesn't show what info I requested & doesn't show the answer No the company did not send the info. 
So, I'm letting the company know, YES, I requested info from the company & this is the info : Legal verification, original contract, other legal documents, I requested in my XXXX Notice ( XXXX ) & NO the did not provide any legal documents I requested

Company response to consumer: Closed with explanation