BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: GA
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 account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, 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:
On XX/XX/2022, I noticed on my XXXX Credit Report that there were information that is just inaccurate. The number is just way off what it needs to be, and it changes daily which is suspicious. I have addresses on accounts I never knew existed, and have never lived at. I have numbers on there that are not mine! These changes have been going on for a month, and have not stopped. I have tried reaching out to XXXX in order to investigate this, and put a stop to it via their website. I get a refusal from their customer support agent instead, saying that they do not handle such information and another party does. I have not authorized such sharing of information with another party! This is ridiculous! When I signed up on XXXX web site, I checked a box that tells me they respect my privacy. Being notified of that, now my information is exposed. I now have a 30 day late payment, 60 day late payment, other negatives that belong to someone else. This is a serious problem, and is improper. This is costing me ( {$600.00} ) a month just dealing with these inaccuracies on my credit report. 

XXXX has information that is not correct as well. Disputed this on the web site, only to get the same result. I received an auto reply from Equifax, and was told they are not receiving any more emails at the time, which I found highly confusing, because they are open and online a lot of the time, so I could not even get through to them. On my credit report, XXXX and Equifax information are certainly not the same as XXXX, and do not make sense. I am unauthorized on all three on the accounts, and having all this deceptive information is not okay. They are continuing to share my information, and they are continuing their deceptive practices. 

This is a violation of my right to privacy according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

I also did not give consent for my data to be shared, nor do I want it shared. According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions. 
I attempted reaching out to all three credit places about this, XXXX, XXXX, and Equifax, only to receive no help. So I am writing to you about this. My credit report is attached for reference. This is damaging my credit, hurting my finances, and causing me stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020 someone opened a XXXX XXXX/XXXX  account using my name and address. I reported the fraud to XXXX XXXX  and they closed the account and notified all 3 major reporting agencies that the hard inquiry and account should be removed from my credit report. All three agencies removed the account from the list, and two of the agencies remove the hard inquiry. But TransUnion refuses to remove the hard inquiry for the account they know was fraudulent because the letter from XXXX XXXX  only said " XXXX XXXX  '', not " XXXX XXXX '' regardless that it has the same account number. 

I've called TransUnion about this twice, the first time, they said they would deal with it, but nothing happened, and the second time is when they told me about the " XXXX '' name requirement. A couple of months ago, I called XXXX XXXX  and asked them to send the hard inquiry removal letter to TransUnion again, but nothing has changed with TransUnion. XXXX XXXX  said it's the same letter they sent in XXXX and that they can't edit the automated letter to say " XXXX XXXX  ''. It was good enough for the other agencies, but TransUnion is choosing to be obtuse about it. 

It's pulling down my score by 4 points. Granted, that's not a lot, but here 's why I'm making a complaint : more than one customer service rep at different agencies admitted that TransUnion is known for not fixing this sort of issue. So, I'm making a complaint for myself and for others affected by their protocols.

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 2021-10-19
Company: EQUIFAX, INC.
State: NC
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: MONEY SOURCE, INC., THE
State: PA
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:
his dispute is regarding my payment history and credit reporting. I'm was the under the impression that I was on a repayment plan by agreeing to this plan I was not informed that my credit would be impacted. I reached out several time regarding this matter and was told that the issue was going to be rectified. 

I attached my repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello. I need help getting an accurate figure from Capital One for payments on my auto loan please. I financed a XXXX XXXX XXXX on XX/XX/XXXX2019 for {$17000.00}. The main reason for my complaint is that after investigating my accounts I found that my personal checking account, capitalone.com, and my pdf/paper statements from Capital One all total different paid sums to Capital One. I only have one account with Capital One, my auto loan. I made a spreadsheet comparing the accounts side by side and downloaded all my pdf statements. My personal checking shows that I have paid {$5700.00} to Capital One Auto Loan. On Capital One 's website, and in my paper transactions, there are two different total paid sums : {$4000.00} and {$5000.00}. I am unable to resolve these discrepancies on my own, and other consumer reviews I found on a XXXX  search commented that Capital One damaged their credit scores after they contacted them trying to resolve similar discrepancies. I am past due on this auto loan at the moment and I am unable to follow the path of my past due amount in my accounts with Capital One too. After reviewing the paper work from my auto loan, I believe that the XXXX Dealer in XXXX, CA charged me for a car I traded in instead of applying the value to my loan. The dealer tried to sell me a second car over the phone last XXXX XXXX XXXX XXXX. They helped me get the loan financed through Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: NC
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 a natural person, I am a living human being, I have rights under 15 U.S.C 1681. Experian is governed by 15 U.S.C 1681, Experian has violated my rights numerous of times. I demand the accounts below be removed immediately : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX ACCORDING to 15 U.S.C 1681 ; I have the right to privacy and I did not give Experian written permission to furnish these accounts. I have no contract with XXXX. XXXX XXXX. 
I have no contract with XXXX XXXX XXXX Provide original contract for these accounts.

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 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Dear BOFA, I have a hard inquiry on my account on XX/XX/2023. I did not authorize my credit file to be pulled. I would like to request a deletion of the hard inquiry on my credit report.

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 2020-12-31
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 50 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the XXXX data breach and may have gotten in the wrong hands.

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 2023-04-17
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a Letter on XX/XX/2023, here is my Certified Mail Number XXXX, to remove an inaccurate account that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was fraudulent or perhaps even possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was shopping at XXXX  clothing store. I got a discount that day if I got the company credit card. 
After having this account for only XXXX months they kept charging my account late fees. After calling Comenity Bank on XXXX separate occasions and customer service removed late fees. In fact the late charges were never removed. Instead they kept charging late fee on fees that were supposed to be removed. Please help solve this problem. 
I called Comenity Bank the last time XX/XX/2023 and closed my account with a XXXX balance. Comenity Bank called me XX/XX/XXXX about my account that I closed previously. They said I still have a balance Please stop these scammers and fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12
Company: Absolute Resolutions Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company did not even give Me a chance to pay. Three people signed our lease agreement, our father just cosigned. The bill in question was always going to be paid but we never got a bill, yesterday Our father was served with an intent to file, even though we are the actual signees, and they will not allow us to even set up a payment plan. Our father speaks broken english but has assets, and they are trying to take advantage of him and scare him into paying them in full by making him think he will lose everything if he doesnt cut them a check in full for our bill. These people are preying on someone who they know doesnt fully understand the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX is not providing my credit file and score to the companies that I have requested credit from. 

XX/XX/XXXX Capital One credit application. Capital One has been unable to approve my request because for over 2 weeks they havent been able to send my credit file and score to them. 

XX/XX/XXXX XXXX XXXX card denied a credit line increase because I have to few accounts per XXXX. I currently have over 91 approved credit cards in which 31 are active. I have a long history of  accounts and excellent credit. The information they are providing to creditors are inaccurate. 

XX/XX/XXXX XXXX XXXX XXXX denied a credit line increase due to XXXX unable to provide my credit score and credit report. 

XX/XX/XXXX, XXXX XXXX wasnt able to determine my credit application because they are unable to get my credit report from XXXX. 

I have excellent credit and the responses from Creditor grantors are that they are not providing accurate information to creditors so a fair decision can be acquired. I do have excellent credit without a blemish. If I am turned down for a credit card, I would be ok with that providing they have an accurate report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX : {$330.00}

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 2023-05-04
Company: EQUIFAX, 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:
An item of public record has previously been contested on numerous occasions. The courthouse where the credit bureaus claim to have confirmed the account was contacted, and I was told that they had not provided the information requested. The credit bureaus were informed of the information I had obtained from the court, and it is still listed on my report without regard to how it would influence my ability to use credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collection Services placed a debt on my report erroneously. I had an account with XXXX XXXX for renter 's insurance that started in XX/XX/2020 in should have ended bin XXXX. After the Covid 19 guidelines were lifted the company charged me for coverage I didn't know I had. I received notice about the debt on XX/XX/2020 regarding the debt and plans to report it to the credit bureaus if not paid. I then called them and settled the debt on XXXX the XXXX. After paying the debt before ten business days of being notified about it the company placed it on my credit report. I contacted the company and the supervisor stated that since me and the agent hadn't discussed anything about the debt going on my credit report he can't do anything about it. The original amount was {$170.00} and I settled it for half of that.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Bridgecrest Acceptance Corporation
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a vehicle from XXXX in 2019. My account was assigned without my knowledge to Bridgecrest. I was recently looking over my car contract with XXXX and noticed several discrepancies. First I was forced to leave a downpayment or I could not get the vehicle unless I gave {$2000.00} down. They committed fraud by requiring cash with a consumer credit transaction. I was also never informed of my right to rescind or given recession paperwork. That is against the law and a violation. There are also a ton of charges which I do not understand and was not provided with any explanation as to what they are for. The finance charge is the SUM of all charges. I have recently received mail from Bridgecrest after sending a cease & desist. Bridgecrest are still contacting me without my expressed written consent.The letter which I have attached made several defamatory statements and is defaming my character. Harassing phone calls throughout the day and night. Threatening mail which included threats of legal action and false claims were made against me which have caused willful injury. I have also noticed my signature/ notarization missing from the Power of Attorney form which is fraud because I never authorized anyone to act on my behalf. I no longer want to do business with you. I have also attached a copy of your arbitration agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Nelnet, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have never taken out a loan with Nelnet. Despite that fact, they claim that I owe them more than {$11000.00}. Since XX/XX/XXXX they have been reporting this on my credit report. Around XXXX, I attempted to find out who claimed I owed this alleged debt. More recently, I attempted to clarify this again. As Nelnet has refused to send the wet ink contract or Promissory Note. Since then, they have and are currently reporting late payments to debt I do not owe Nelnet. This has resulted to slander of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account from the University of XXXX XXXX ( the original creditor ) was sent to GLA by mistake on XX/XX/2020. I contacted the original creditor and they took the debt back from GLA on XX/XX/2020. GLA never contacted me about the debt, gave me the chance to dispute, or made any attempts to collect, however in XX/XX/2020 they reported three collections accounts to my credit report in the amounts of {$62.00}, {$95.00}, and {$47.00}. I contacted the original creditor and they confirmed that they did, in fact, take the debt back in XXXX. However, GLA refuses to admit that the debt was taken back and they will not remove it from my credit report. I even contacted GLA on XX/XX/2020, during which call the representative admitted to me that they did not own the debt, yet insisted that they would not remove it from my credit unless the original creditor contacted them again because " they did not have any record of the debt being taken back. ''

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